Relationship Officer Wheels Used

AU SMALL FINANCE BANK

Kolkata District

On-site

INR 600,000 - 900,000

Full time

22 hours ago

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Job summary

AU Small Finance Bank Limited is seeking a dedicated Relationship Officer for Wheels Used financing in Kolkata. You will build relationships with customers, dealers, and stakeholders to grow the used vehicle financing portfolio.

The role requires strong sales acumen, understanding of vehicle financing, and adherence to regulatory standards. You will coordinate with internal teams to ensure timely loan disbursal and maintain CRM records.

Qualifications

Bachelor’s degree in Finance, Business Administration, or related field.
MBA or equivalent postgraduate qualification preferred.
3–5 years of experience in vehicle financing or related financial services sales, preferably in used vehicle segment.

Responsibilities

Develop and maintain relationships with customers, used vehicle dealers, and channel partners to promote wheels used financing products.
Identify potential customers and generate leads to achieve sales targets.
Conduct detailed credit assessments and financial analysis of applicants to ensure creditworthiness and minimize risk.
Prepare and present customized financing proposals explaining product features, terms, and benefits.
Coordinate with credit, legal, and operations to ensure smooth processing and timely disbursal of loans.
Monitor loan accounts to ensure timely repayments and manage delinquencies.
Stay updated with industry trends, competitor offerings, and regulatory changes.
Organize and participate in promotional events to increase product visibility and customer engagement.
Maintain accurate records using CRM tools.

Skills

Used Vehicle Financing

Credit Risk Assessment

CRM

Financial Analysis

Sales Negotiation

Regulatory Compliance

Market Research

Communication & Presentation

Stakeholder Management

Time Management

Education

Bachelor’s degree in Finance/Business Administration

MBA or equivalent postgraduate qualification

Job description

Credit Risk Assessment

Group Company:

AU Small Finance Bank Limited

Designation:

Relationship Officer Wheels Used

Position description:

#*Position description*#

Primary Responsibilities:

#*Primary Responsibilities*#

Additional Responsibilities:

#*Additional Responsibilities*#

Reporting Team

Reporting Designation: #*Reporting Designation*#
Reporting Department: #*Reporting Department*#

Educational Qualifications Preferred

#*Education and Experience*#

Category: #*Category*#
Field specialization: #*Field specialization*#
Degree: #*Degree*#
Academic score: #*Academic score*#
Institution tier: #*Institution tier*#

Required Certification/s:

#*Required Certification/s*#

Required Training/s:

#*Required Training/s*#

Required Work Experience

Industry: #*Industry*#
Role: #*Role*#
Years of experience: #*Years of experience*#

Job Brief

AU Small Finance Bank Limited is seeking a dedicated and proactive professional to join our Sales Department as a Relationship Officer specializing in Wheels Used financing. This role is pivotal in driving the bank's growth in the used vehicle financing segment by building and maintaining strong relationships with customers, dealers, and other stakeholders. The ideal candidate will have a deep understanding of the financial services industry, particularly in vehicle financing, and possess excellent sales acumen to identify and capitalize on business opportunities. This position requires a strategic thinker with strong interpersonal skills to deliver tailored financial solutions that meet customer needs while ensuring compliance with regulatory standards and internal policies.

Responsibilities

Develop and maintain strong relationships with customers, used vehicle dealers, and other channel partners to promote the bank’s used wheels financing products.
Identify potential customers and generate leads through market research, networking, and referrals to achieve sales targets.
Conduct detailed credit assessments and financial analysis of applicants to ensure creditworthiness and minimize risk.
Prepare and present customized financing proposals to customers, explaining product features, terms, and benefits clearly.
Coordinate with internal teams including credit, legal, and operations to ensure smooth processing and timely disbursal of loans.
Monitor loan accounts regularly to ensure timely repayments and take proactive measures to manage delinquencies.
Stay updated with industry trends, competitor offerings, and regulatory changes to provide informed advice and maintain competitive advantage.
Organize and participate in promotional events and campaigns to increase product visibility and customer engagement.
Maintain accurate records of customer interactions, sales activities, and pipeline status using CRM tools.
Provide feedback to product development teams based on customer insights and market demands to enhance product offerings.
Ensure compliance with all banking regulations, internal policies, and ethical standards in all sales and relationship management activities.

Skill

Used Vehicle Financing Expertise
Credit Risk Assessment
Customer Relationship Management (CRM)
Financial Analysis and Reporting
Sales and Negotiation
Regulatory Compliance
Market Research and Lead Generation
Communication and Presentation
Stakeholder Management
Problem Solving and Decision Making
Time Management and Organization

Preferred Qualifications

Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification is preferred.
Minimum of 3-5 years of experience in vehicle financing or related financial services sales, preferably within the used vehicle segment.

Key Performance Indicators:

#*Key Performance Indicators*#

Required Competencies:

#*Required Competencies*#

Required Knowledge:

#*Required Knowledge*#

Required Skills:

#*Required Skills*#

Required Abilities