Relationship Officer Wheels Used

AU SMALL FINANCE BANK; Madhya Pradesh; On-site; INR 300,000 - 400,000; Full time

Job summary

AU Small Finance Bank Limited seeks a Relationship Officer Wheels Used to act as the primary interface with customers and sourcing channels for vehicle loans. This role involves field visits, verification, and driving business volumes through authorised dealers and empanelled channels in Madhya Pradesh.

You will assess customer profiles, ensure timely documentation, and coordinate post-disbursement activities while maintaining high ethical standards and a customer-centric approach.

Qualifications

• Knowledge of vehicle sale/purchase documents
• Aptitude for sales and marketing; lead generation activities
• Persistence and patience in client interactions
• Local geography familiarity and market knowledge
• Familiarity with digital applications
• Attention to detailed data collection and record keeping
• Excellent verbal and written communication in regional language
• Customer-centric relationship management
• Strong ethics and integrity in banking sales

Responsibilities

• Achieve assigned targets and productivity requirements; meet monthly thresholds.
• Generate potential business leads from sourcing channels, follow up and close.
• Assess customer profiles, visit customers, collect documents and reference to credit for approval.
• Ensure physical delivery of vehicles from dealers/channels; monitor for mispricing or asset jumping.
• Follow up and collect deferrals and post-disbursement documents in a timely manner.
• Direct sourcing from authorised dealers and empanelled channels; avoid third-party sourcing.
• Manage relationships with dealers, associates, referrals to generate business volumes.
• Ensure asset verification and address non-starter/early-defaults; build relationships.
• Ensure timely servicing of customer service requests.

Skills

Customer-centric mindset

Digital business apps

Detail orientation

Sales & lead generation

Ethical integrity

Bias for action

Ownership & accountability

Persistence & patience

Target market knowledge

Digital familiarity

Data collection & recording

Professional communication

Relationship management

Sales forecasting & reporting

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Relationship Officer Wheels Used

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

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational Qualifications Preferred

• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Certification/s

Required Training/s

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 software 3. hard work and detail-orientation 4. eager to learn and grow as a banking professional 5. positive mindset, ethical and high integrity 6. Bias for Action and Urgency 7. ownership and accountability for results

Required Knowledge:

1. Knowledge of documents pertaining to vehicle sale / purchase 2. Aptitude for sales & marketing - lead generating activities 3. Persistence and patience in dealing with clients 4. Target Market Knowledge - Local Area geography familiarity 5. Familiarity with Digital applications 6. Detailed data collection/recording

Required Skills:

1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2. Relationship Management - Client-Centric Approach, respectful 3. Sales Forecasting & Reporting

Required Abilities

• Physical: 1. Physical fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. 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 bank 2. 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: