Relationship Officer Loan Secured by Vehicle

AU Small Finance Bank; Zirakpur; On-site; INR 300,000 - 520,000; Full time

Job summary

AU Small Finance Bank Limited invites applications for a Relationship Officer - Vehicle Loan. You will be the primary interface with customers and sourcing channels to drive business, verify documents, and coordinate with credit for approvals. Field-based role with a focus on asset delivery and channel management.

The position demands extensive travel, monthly target achievement, strong regional language communication, and strict adherence to bank policies and processes.

Qualifications

• Knowledge of vehicle sale/purchase documents and finance products.
• Proficiency in regional language and strong verbal/written communication.
• Ability to travel extensively and work under targets.

Responsibilities

• Achieve monthly targets and productivity; close leads from sourcing channels.
• Visit customers, collect documentation, and route to credit for approval.
• Ensure asset delivery from dealers and monitor for pricing integrity.
• Manage dealer relationships and empanelled channels to generate volumes.
• Provide timely servicing of customer service requests and deferrals post-disbursement.

Skills

Relationship management

Sales forecasting

Customer service

Communication skills

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 basis 2. Generate potential business leads from sourcing channels, follow up and bring it to closure 3. Assess customer profile, visit customer's place, collect necessary documentation and recommend customers to credit for approval 4. 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 allowed 2. No cash transactions without official reciepts 3. share all relevant information with seniors promptly. 4. To understand the core of the bank's business philosophy and methodology 5. Explain terms and conditions to the customer with full transparency and clarity 6. Provide timely feedback on customers to the channels

Required work experience

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Years of experience: 0 to 3

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

Required Competencies: 1. Customer-centric mindset and actions 2. adept at handling digital business apps and software3. hard work and detail-orientation4. eager to learn and grow as a banking professional 5. 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 clients 4. 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

Work Environment Details: 90% - Field, 10% - Office

Specific requirements

• Travel: High
• Vehicle: 2-wheeler

Other details

• 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, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.

Disclaimer: This job posting has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.