Relationship Officer Two Wheeler

Au Small Finance Bank Ltd.; Pune District; Presencial; INR 250.000 - 450.000; Jornada completa

Descripción de la vacante

AU Small Finance Bank Limited is seeking a Relationship Officer Two Wheeler to serve as the primary interface with customers and sourcing channels for vehicle finance. You will drive business, meet monthly targets, and manage end-to-end processes from lead generation to delivery.

The role requires field travel, strong communication, and a customer-centric approach to ensure timely servicing and compliance with bank policies.

Formación

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

Responsabilidades

• 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.

Descripción del empleo

Group Company: AU Small Finance Bank Limited

Designation: Relationship Officer Two Wheeler

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 basis2. Generate potential business leads from sourcing channels, follow up and bring it to closure3. Assess customer profile, visit customer's place, collect necessary documentation and recommend customers to credit for approval4. 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 allowed2. No cash transactions without official reciepts3. share all relevant information with seniors promptly.4. To understand the core of the bank's business philosophy and methodology5. Explain terms and conditions to the customer with full transparency and clarity6. Provide timely feedback on customers to the channels

Reporting Team

• Reporting Designation:
• Reporting Department:
• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Certification/s:

Required Training/s:

Required work experience

• Years of experience: 0 to 3

Key Performance Indicators:

Business Volume, Average Ticket size, Boarding rate

Required Competencies:

1. Customer-centric mindset and actions2. adept at handling digital business apps and software3. hard work and detail-orientation4. eager to learn and grow as a banking professional5. 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 clients4. 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
• Other:

Specific requirements

• Travel: High
• Vehicle: 2-wheeler
• 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, clients3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.