Relationship Officer Loan Secured by Vehicle

AU Small Finance Bank; Ratlam; On-site; INR 300,000 - 540,000; Full time

Job summary

AU Small Finance Bank Limited in Ratlam invites applications for a Relationship Officer – Loan Secured by Vehicle. The role is the primary interface with customers and sourcing channels to drive vehicle loan business.

You will visit customers, verify documents, coordinate with credit, and ensure asset delivery through authorized dealers. The position requires field travel and customer-facing duties with a focus on compliance and service excellence.

Qualifications

• Strong communication and customer-facing skills.
• Ability to manage dealer relationships and channels.
• Proficient in sales forecasting and reporting.

Responsibilities

• Achieve targets and productivity on a monthly basis.
• Generate leads from sourcing channels and close them.
• Assess customer profile, collect documents, and seek credit approval.
• Ensure asset delivery from dealer and monitor pricing integrity.
• Follow up with deferrals and post-disbursement documents.
• Source only from authorised dealers and empanelled channels.
• Manage relationships with dealers, associates and referrals.
• Ensure asset verification and handling of non-starter cases.
• Provide timely servicing of customer service requests.

Skills

Professional Communication

Relationship Management

Sales Forecasting

Reporting

Education

Bachelor's degree

Tools

Digital applications

CRM software

Job description

Relationship Officer Loan Secured by Vehicle Alot, Alot, Madhya Pradesh, India ..+ 18 0 - 3 Years Full Time

Job Description

Group Company: AU Small Finance Bank Limited

Designation: Relationship Officer Loan Secured by Vehicle

Position description: Primary interface of the bank with the customer as well as the channels for business sourcing

Primary Responsibilities

• 1. Achieve assigned targets and productivity requirements - meet the threshold targets on monthly basis2. Generate potential business leads from sourcing channels, follow up and bring it to closure3. Assess customer profile, visit customer's place, collect necessary documentation and recommend customers to credit for approval4. Ensure physical delivery of vehicle from the dealer/channel partner - stay vigilant about asset jumping/over pricing etc.5. Follow up and collect deferrals and post disbursement documents in a timely manner.6. Ensure only Direct sourcing from authorised dealers and empanelled channels - no third party sourcing, includes employees of other banks and financial institutions.7. Manage relationship with dealers, Commercial Associates, referrals and other sourcing channels to generate business volumes through these channels.8. Ensure Asset verification and Non starter-Early default cases and build relationships9. Ensure timely servicing of customer service requests

Additional Responsibilities

• 1. No false commitments in the market place/ Misselling strictly not allowed2. No cash transactions without official reciepts3. share all relevant information with seniors promptly.4. To understand the core of the bank's business philosophy and methodology5. Explain terms and conditions to the customer with full transparency and clarity6. Provide timely feedback on customers to the channels

Reporting Team

• Reporting Designation:
• Reporting Department:
• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Certification/s

Required Training/s

Required work experience

• Years of experience: 0 to 3

Key Performance Indicators: Business Volume, Average Ticket size, Boarding rate

Required Competencies: 1. Customer-centric mindset and actions2. adept at handling digital business apps and software3. hard work and detail-orientation4. eager to learn and grow as a banking professional5. positive mindset, ethical and high integrity6. Bias for Action and Urgency7. ownership and accountability for results

Required Knowledge: 1. Knowledge of documents pertaining to vehicle sale / purchase2. Aptitude for sales & marketing - lead generating activities3. Persistence and patience in dealing with clients4. Target Market Knowledge - Local Area geography familiarity5. Familiarity with Digital applications6. Detailed data collection/recording

Required Skills: 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken2. Relationship Management - Client-Centric Approach, respectful3. Sales Forecasting & Reporting

Required abilities

• Physical: 1. Physical fitness2. Mental agility3. Ability to do extensive field travel/work4. Ability to handle work pressure and demanding clients
• Other:

Specific requirements

• Travel: High
• Vehicle: 2-wheeler
• Pay Rate:
• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related: 1. Aherence to Code of Conduct policy of the bank2. Non-disclosure of confidential information about bank, clients3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.
• Union Affiliation:

Job Snapshot

Updated Date

29-10-2026

Location