Relationship Officer Tractor

AU Small Finance Bank; Hardoi; On-site; INR 300,000 - 420,000; Full time

Job summary

AU Small Finance Bank is seeking a Relationship Officer Tractor to act as the primary interface with customers and sourcing channels for vehicle lending. The role involves field activity, dealer management, and end-to-end customer onboarding and servicing.

Ideal candidates will handle target-driven performance, verify documents, coordinate with credit for approval, and ensure timely delivery and post-disbursement support in a dynamic BFSI environment.

Qualifications

• Strong professional communication skills with regional language proficiency.
• Ability to manage client relationships with a customer-centric approach.
• Experience in sales forecasting and reporting to track performance.

Responsibilities

• Achieve assigned targets and productivity requirements on a monthly basis.
• Generate potential business leads from sourcing channels and bring them to closure.
• Assess customer profiles, visit customers, collect documents, and refer to credit for approval.
• Ensure physical delivery of vehicles from dealers or partners and monitor pricing integrity.
• Follow up on deferrals and post-disbursement documents in a timely manner.
• Ensure sourcing from authorised dealers and empanelled channels; avoid third-party sourcing.
• Manage relationships with dealers, associates, referrals and other channels to drive volumes.
• Ensure asset verification and management of non-starter/early-default cases.
• Provide timely servicing of customer service requests.

Skills

Professional communication

Relationship management

Sales forecasting reporting

Job description

Group Company: AU Small Finance Bank Limited

Designation: Relationship Officer Tractor

Office Location:

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

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational qualifications preferred

• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

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 software
• 3. hard work and detail-orientation
• 4. eager to learn and grow as a banking professional
• 5. positive mindset, ethical and high integrity
• 6. Bias for Action and Urgency
• 7. ownership and accountability for results

Required Knowledge:

• 1. Knowledge of documents pertaining to vehicle sale / purchase
• 2. Aptitude for sales marketing - lead generating activities
• 3. Persistence and patience in dealing with clients
• 4. Target Market Knowledge - Local Area geography familiarity
• 5. Familiarity with Digital applications
• 6. Detailed data collection/recording

Required Skills:

• 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken
• 2. Relationship Management - Client-Centric Approach, respectful
• 3. 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:

Work Environment Details

90% - Field, 10% - Office

Specific requirements

• Travel: High
• Vehicle: 2-wheeler
• Work Permit:

Other details

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