Relationship Officer Wheels Used

AU Small Finance Bank; Bengaluru; On-site; INR 350,000 - 480,000; Full time

Job summary

AU Small Finance Bank is hiring a Relationship Officer for Wheels Used in Bengaluru. You will be the primary bank interface with customers and sourcing channels, coordinating vehicle loan processes, documentation collection, dealer liaison, and post-disbursement servicing.

Expected to travel extensively, work with authorised dealers, and ensure compliant sales practices while meeting monthly targets and delivering strong customer service.

Qualifications

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

Responsibilities

• Achieve assigned targets and productivity through monthly reviews.
• Generate potential business leads from sourcing channels and close them.
• Assess customer profile, visit customer, collect docs and refer to credit for approval.
• Ensure physical delivery of vehicle from dealer/channel partner and monitor pricing.
• Follow up to collect deferrals and post-disbursement documents timely.
• Sourcing only from authorised dealers and empanelled channels; no third-party sourcing.
• Manage relationships with dealers, associates, referrals to generate volumes.
• Asset verification and handling of early default cases; build relationships.
• Provide timely servicing of customer service requests.

Skills

Professional communication

Relationship management

Sales forecasting

Job description

Group Company: AU Small Finance Bank Limited

Designation: Relationship Officer Wheels Used

Office Location: 80 Feet Road Yelahanka Bengaluru Bengaluru

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 basis
• 2. 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 approval
• 4. 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 relationships
• 9. 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 reciepts
• 3. share all relevant information with seniors promptly.
• 4. To understand the core of the bank's business philosophy and methodology
• 5. Explain terms and conditions to the customer with full transparency and clarity
• 6. Provide timely feedback on customers to the channels

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, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.
• Union Affiliation: