Relationship Officer- Used Car- KA

Ujjivan Small Finance Bank; Bengaluru; On-site; INR 500,000 - 800,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in Bengaluru seeks a frontline executive for its Used Car Loan business. You will generate business through Dealers/DSA, assist customers through the loan journey, gather KYC, and manage the portfolio with focus on timely collections and cross-selling opportunities.

Minimum 1–2 years in vehicle finance is required; experience in used car operations is desirable. Strong communication and interpersonal skills are essential.

Qualifications

• Minimum 1–2 years of experience in managing Vehicle Finance products.
• Experience in Used Car business is desirable.

Responsibilities

• Generate business at assigned Dealer/DSA counters for Ujjivan Used Car Business.
• Assist customers in completing their loan application journey and gather necessary documentation [KYC].
• Manage the loan portfolio and assist in timely collection of overdues.
• Acquire new customers by providing personalized guidance and information about USFB’s Used Car Loan Products – Re-purchase, Re-finance, Balance Transfer.
• Manage the relationship with the channel partners by providing timely service.
• Address queries or concerns of customers with excellent customer service.
• Ensure proper due diligence & assessment of customer before offering loan.
• Manage collection of 6 MOB [1-6 EMIs] to maintain a strong portfolio for Vehicle Finance.
• Collateral management by timely collection of PDD document and RC.

Skills

Interpersonal Skills

Good Communication Skills

Performance Oriented

Go Getter/Fast learner

Education

10th Pass/ Fail

Job description

• Generate business at assigned Dealer/DSA counters for Ujjivan Used Car Business


• Assist customers in completing their loan application journey and gather necessary documentation [KYC]


• Manage the loan portfolio and assist in timely collection of overdues


• Customer (Both Internal & External)


• Manage the relationship with the channel partners by providing timely service


• To acquire new customers by providing them personalized guidance and information about USFB’s Used Car Loan Products – Re-purchase, Re-finance, Balance Transfer


• Assist customers in completing the loan application, ensuring all the details are filled accurately.


• Address any queries or concerns of the customers by providing excellent customer service.

SIZE OF THE ROLE

• Generate business of 25-50 lakhs per month


• Improve the business number and grow the business by 5% MoM


• Maintain a productivity of at least average 3-6 files per month


• Identify cross selling opportunities and sell additional financial products


• Customer (Both Internal & External)


• Manage the relationship with the channel partners by providing timely service


• To acquire new customers by providing them personalized guidance and information about USFB’s Used Car Loan Products – Re-purchase, Re-finance, Balance Transfer


• Assist customers in completing the loan application, ensuring all the details are filled accurately.


• Address any queries or concerns of the customers by providing excellent customer service.


• Ensure proper due diligence & assessment of customer before offering loan


• Manage collection of 6 MOB [1-6 EMIs] from the customer to maintain a strong portfolio for Vehicle Finance


• Collateral management by timely collection of PDD document and RC.


• Responsible for maintaining relationship with branches for generating additional business

Internal Process

• Ensure proper due diligence & assessment of customer before offering loan


• Manage collection of 6 MOB [1-6 EMIs] from the customer to maintain a strong portfolio for Vehicle Finance


• Collateral management by timely collection of PDD document and RC.


• Responsible for maintaining relationship with branches for generating additional business

Innovation and Learning

• Study the processes & offerings by competitors and suggest improvements in the current offerings


• Attend the training sessions on product & policies offered by central & regional teams to ensure adherence to guidelines & faster adoption to changes


• People Management- Manage the relationship with valuation agencies and RTO agents for smooth processing of cases

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications

• 10 th Pass/ Fail

Work Experience

• Minimum 1-2 years of experience required in managing Vehicle Finance products in Bank/NBFC/SFB


• Relevant experience in managing Used Car business is desirable

Skills

• Interpersonal Skills


• Good Communication Skills


• Performance Oriented


• Go Getter/Fast learner

KEY INTERACTIONS

• INTERNAL


• EXTERNAL


• Business Head, Regional Sales Manager, Lead Business, Cluster Manager


• Dealers/DSA


• Regional Operations, Credit, Regional Collections