R0-Used car-

Ujjivan Small Finance Bank Ltd.

Mysuru

On-site

INR 300,000 - 420,000

Full time

2 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. in branch locations is seeking a Relationship Officer for Used Car loans. The role focuses on generating business with dealers/DSA counters, guiding customers through loan applications, and servicing portfolios with timely collections.

Ideal candidates have 1–2 years in Vehicle Finance and strong interpersonal and communication skills. This full-time position reports to the Cluster Manager - Used Car and supports branch-level operations.

Qualifications

Educational qualifications include 10th pass.
Experience of 1-2 years in managing Vehicle Finance products in Bank/NBFC/SFB.
Desirable experience in Used Car business.

Responsibilities

Generate business at assigned Dealer/DSA counters for Ujjivan Used Car Business.
Assist customers in completing their loan application journey and gather necessary documentation (KYC).
Manage the loan portfolio and assist in timely collection of overdues.

Skills

Interpersonal Skills

Good Communication Skills

Performance Oriented

Go Getter/Fast learner

Education

10th Pass

Job description

JOB TITLE

Relationship Officer - Used Car

GRADE

DM-I

DEPARTMENT

Vehicle Finance

LOCATION

Branch

SUB-Department

TYPE OF POSITION : Full-time

REPORTS TO

Cluster Manager - Used Car

ROLE PURPOSE & OBJECTIVE

Generate business at assigned Dealer/DSA counters for Ujjivan Used Car Business
Assist customers in completing their loan application journey and gather necessary documentation [KYC]
Manage the loan portfolio and assist in timely collection of overdues

SIZE OF THE ROLE

Financial Size

Non -Financial Size

Generate business of 25-50 lakhs per month
Improve the business number and grow the business by 5% MoM
Customer Management: 20-40 Customers per month
Dealer Management: 1-2 Dealer/DSA
No of files: 3-6 disbursals per month

KEY RESPONSIBILITIES

Business/Financials
Achieve monthly sales targets and contribute to business numbers
Maintain a productivity of at least average 3-6 files per month
Identify cross selling opportunities and sell additional financial products
Customer (Both Internal & External)
Manage the relationship with the channel partners by providing timely service
To acquire new customers by providing them personalized guidance and information about USFB's Used Car Loan Products - Re-purchase, Re-finance, Balance Transfer
Assist customers in completing the loan application, ensuring all the details are filled accurately.
Address any queries or concerns of the customers by providing excellent customer service.
Internal Process:
Ensure proper due diligence & assessment of customer before offering loan
Manage collection of 6 MOB [1-6 EMIs] from the customer to maintain a strong portfolio for Vehicle Finance
Collateral management by timely collection of PDD document and RC.
Responsible for maintaining relationship with branches for generating additional business
Innovation and Learning:
Study the processes & offerings by competitors and suggest improvements in the current offerings
Attend the training sessions on product & policies offered by central & regional teams to ensure adherence to guidelines & faster adoption to changes
People Management- Manage the relationship with valuation agencies and RTO agents for smooth processing of cases

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications
10 th Pass/ Fail
Work Experience
Minimum 1-2 years of experience required in managing Vehicle Finance products in Bank/NBFC/SFB
Relevant experience in managing Used Car business is desirable
Skills
Interpersonal Skills
Good Communication Skills
Performance Oriented
Go Getter/Fast learner

KEY INTERACTIONS