Relationship Officer Wheels Used

AU Small Finance Bank; Narsimhapur; Vor Ort; INR 600.000 - 1.200.000; Vollzeit

Zusammenfassung

AU Small Finance Bank Limited seeks a dedicated Relationship Officer specialized in Wheels Used financing to drive growth by building and maintaining relationships with customers, dealers, and stakeholders. The role demands deep knowledge of vehicle financing, sharp sales acumen, and strategic thinking to deliver tailored financial solutions while ensuring regulatory compliance.

The successful candidate will develop and maintain dealer networks, assess creditworthiness, present financing

Qualifikationen

• 3-5 years of experience in vehicle financing or related financial services sales, preferably within the used vehicle segment.
• Bachelor's degree in Finance, Business Administration, or related field; MBA preferred.
• Strong sales acumen and relationship-building with customers, dealers, and stakeholders.
• Knowledge of regulatory standards and internal policies.

Aufgaben

• Develop and maintain strong relationships with customers, used vehicle dealers, and 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 to ensure timely repayments and 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.

Kenntnisse

Used Vehicle Financing Expertise

Credit Risk Assessment

CRM

Financial Analysis

Sales and Negotiation

Regulatory Compliance

Market Research

Lead Generation

Communication Skills

Stakeholder Management

Problem Solving

Time Management

Ausbildung

Bachelor's degree in Finance, Business Administration, or related field

MBA or equivalent postgraduate qualification

Tools

CRM software

Jobbeschreibung

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 banks 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 :-

• Bachelors 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.