Relationship Officer Two Wheeler

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

Job summary

AU Small Finance Bank is seeking a Relationship Officer Two Wheeler to serve as the primary interface with customers and sourcing channels. The role is predominantly field-based with 90% fieldwork and 10% office work, located in Bhopal Asset Center, Bhopal.

You will drive target achievement, manage dealer relationships, verify documents, and ensure timely servicing of customer requests. Responsibilities include lead generation, customer assessments, and direct sourcing from authorized dealers,

Qualifications

• BFSI industry knowledge is preferred.
• Experience in vehicle sale/loan processes is desirable.
• Familiarity with digital applications and agency channels.

Responsibilities

• Achieve targets and productivity on a monthly basis.
• Generate and convert leads from sourcing channels.
• Assess customer profile, collect documentation, and refer to credit for approval.
• Ensure delivery of vehicle from dealers and monitor pricing integrity.
• Follow up on deferrals and post-disbursement documents in a timely manner.
• Direct sourcing only from authorized dealers and empanelled channels.

Skills

Professional communication

Relationship management

Sales forecasting

Job description

Group Company: AU Small Finance Bank Limited

Designation: Relationship Officer Two Wheeler

Office Location: Bhopal Asset Center Bhopal

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 closure 3. 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 allowed 2. 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:

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 software3. hard work and detail-orientation4. eager to learn and grow as a banking professional 5. 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 clients 4. 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 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, clients3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.
• Union Affiliation: