Relationship Officer Two Wheeler

AU Small Finance Bank; Gadarwara; On-site; INR 180,000 - 240,000; Full time

Job summary

AU Small Finance Bank is seeking a Sales Executive/Officer to be the primary interface with customers and sourcing channels for vehicle finance. You will meet monthly targets, generate leads, assess customer profiles, and coordinate with dealers for approvals and delivery.

The role involves extensive field work (90%) with some office time, requiring strong communication, relationship management, and the ability to work with digital tools in a busy banking environment.

Qualifications

• Experience in BFSI or sales is preferred.
• Ability to source leads and manage dealer channels.
• Willingness to travel extensively in local area.
• Excellent verbal and written communication skills.

Responsibilities

• Achieve assigned targets and productivity requirements.
• Generate leads from sourcing channels and close deals.
• Assess customer profile and prepare for credit approval.
• Ensure delivery of vehicle from dealer and manage documentation.
• Follow up deferrals and post-disbursement documents.
• Maintain direct sourcing from authorised dealers and empanelled channels.
• Manage relationships with dealers and referrals.
• Provide timely servicing of customer service requests.

Skills

Professional communication

Relationship management

Sales forecasting

Job description

Position description:

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

Primary Responsibilities:

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

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 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.

Disclaimer: This job posting and Location 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.