Relationship Officer Two Wheeler

AU SMALL FINANCE BANK; Kanchipuram; On-site; INR 250,000 - 450,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Relationship Officer for Two Wheeler financing in Kanchipuram. The role involves acting as the primary interface with customers and sourcing channels, managing dealer relationships, and ensuring end-to-end delivery of vehicle loans.

You will visit customers, verify documents, and coordinate with credit for approvals, while ensuring compliance and high service standards across field and office settings.

Qualifications

• Knowledge of documents pertaining to vehicle sale and purchase.
• Aptitude for sales and marketing with lead generation.
• Persistence and patience in dealing with clients.
• Target market knowledge and local area geography familiarity.
• Familiarity with digital applications.
• Detailed data collection and recording.

Responsibilities

• Achieve assigned targets and productivity requirements.
• Generate leads from sourcing channels and close deals.
• Assess customer profile and collect documents for credit approval.
• Ensure delivery of vehicle from dealer and monitor pricing.
• Follow up on deferrals and post-disbursement documents.
• Source only from authorised dealers and empanelled channels.

Skills

Professional Communication

Relationship Management

Sales Forecasting

Digital literacy

Customer centricity

Ownership accountability

Bias for Action

Education

Job description

Job Description

Group Company

AU Small Finance Bank Limited

Designation

Relationship Officer Two Wheeler

Office Location

Ennaikara Street Kanchipuram Kanchipuram

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

• No false commitments in the market place/ Misselling strictly not allowed
  No cash transactions without official reciepts
  share all relevant information with seniors promptly.
  To understand the core of the bank's business philosophy and methodology
  Explain terms and conditions to the customer with full transparency and clarity
  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

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

Required Knowledge

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

Required Skills

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