Relationship Officer- Used Car- KA

Ujjivan Small Finance Bank Ltd.; Mysuru; On-site; INR 300,000 - 520,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Relationship Officer – Used Car at a branch to drive business with dealers and DSAs, guide customers through the loan journey, and manage a growing portfolio.

The role emphasizes KYC, documentation, and timely collections in vehicle finance. The candidate will engage with channel partners, assist in loan processing, and look for cross-sell opportunities while maintaining strong customer service.

Qualifications

• 10th pass qualification.
• 1–2 years in vehicle finance bank/NBFC/SFB.
• Experience with Used Car business desirable.

Responsibilities

• Generate business with dealers/DSA for Used Car loans.
• Assist customers with loan applications and gather KYC docs.
• Manage portfolio and collect overdues.
• Maintain relationships with channel partners and provide timely service.
• Cross-sell financial products and meet monthly targets.

Skills

Interpersonal Skills

Good Communication Skills

Performance Oriented

Go Getter/Fast learner

Education

10th Pass

Job description

POSITION DESCRIPTION

JOB TITLE : Relationship Officer – Used Car

GRADE : DM-I

DEPARTMENT : Vehicle Finance

LOCATION : Branch

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Cluster Manager – Used Car

ROLE PURPOSE & OBJECTIVE

• 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

SIZE OF THE ROLE

Financial Size

Non -Financial Size

Financial Size

• Generate business of 25-50 lakhs per month
• Improve the business number and grow the business by 5% MoM
• Customer Management: 20-40 Customers per month
• Dealer Management: 1-2 Dealer/DSA
• No of files: 3-6 disbursals per month

KEY RESPONSIBILITIES

• Business/Financials
• Achieve monthly sales targets and contribute to business numbers
• 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.
• 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

• Business Head, Regional Sales Manager, Lead Business, Cluster Manager
• Dealers/DSA
• Regional Operations, Credit, Regional Collections
• Customers
• Product team
• Valuation agency, RTO agents

PREPARED BY: Sabyasachi Mahapatra

DATE: 24-11-2025

REVIEWED BY: Premkumar G

DATE: 03-12-2025

LAST UPDATED BY: TM Team

This is Internal document.