Relationship Officer Tractor

AU SMALL FINANCE BANK; Maduranthakam; On-site; INR 250,000 - 350,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Relationship Officer Tractor in Maduranthakam. The role is the primary interface between the bank and customers, as well as sourcing channels, handling end-to-end vehicle loan processes and dealership interactions.

You will achieve targets, source leads, verify documents, coordinate credit approvals, and ensure smooth delivery and post-disbursement servicing while maintaining high integrity and customer focus.

Qualifications

• Customer-centric mindset and actions.
• Adept at handling digital business apps and software.
• Hard work and detail-orientation.
• Eager to learn and grow as a banking professional.
• Positive mindset, ethical and high integrity.
• Bias for Action and Urgency.
• Ownership and accountability for results.

Responsibilities

• Achieve assigned targets and productivity requirements.
• Generate potential business leads from sourcing channels and close deals.
• Assess customer profiles, visit customers, collect documents, and refer to credit for approval.
• Ensure physical delivery of vehicle from dealer/channel partner and monitor for asset mispricing.
• Follow up and collect deferrals and post-disbursement documents promptly.
• Direct sourcing from authorised dealers and empanelled channels; no third-party sourcing.
• Manage relationships with dealers, associates, referrals to generate volumes.
• Ensure asset verification and handle non-starter/early default cases; build relationships.
• Timely servicing of customer service requests.

Skills

Customer-centric

Digital apps

Attention to detail

Willing to learn

Integrity

Bias for action

Ownership

Job description

Job Description

Group Company: AU Small Finance Bank Limited

Designation: Relationship Officer Tractor

Office Location: MADURANTHAKAM Maduranthakam

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 relationships 9. 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 fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. 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 bank 2. 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: