Relationship Officer Wheels Used

AU Small Finance Bank; Neemuch; On-site; INR 250,000 - 400,000; Full time

Job summary

AU Small Finance Bank in India is seeking a Sales Executive/Officer to drive customer acquisition through direct field sourcing. You will manage end-to-end activities from lead generation to closure, including document collection and coordinating with credit for approvals.

The role involves high field activity (90% field, 10% office), travel to dealer networks, and ensuring compliant asset delivery and timely service for customers.

Qualifications

• Industry: BFSI, entry to 3 years experience in sales.
• Strong customer facing and communication skills.
• Willingness to travel and work in field sales environment.
• Ability to verify documents and close leads with integrity.

Responsibilities

• Achieve assigned targets and productivity requirements monthly.
• Generate leads from sourcing channels and convert to closures.
• Assess customer profiles, visit customers, collect documents, and route to credit.
• Ensure asset delivery from dealer and monitor pricing and compliance.
• Follow up on deferrals and post-disbursement documents promptly.
• Source only from authorised dealers and empanelled channels.
• Maintain relationships with dealers and referrals to drive volumes.
• Ensure timely servicing of customer service requests.

Skills

Sales

Customer Relations

Field Sales

Target Driven

Tools

CRM software

Job description

Position description:

Primary interface of the bank with the customer as well as the channels for business sourcing

Primary Responsibilities:

• Achieve assigned targets and productivity requirements - meet the threshold targets on monthly basis
• Generate potential business leads from sourcing channels, follow up and bring it to closure
• Assess customer profile, visit customer's place, collect necessary documentation and recommend customers to credit for approval
• Ensure physical delivery of vehicle from the dealer/channel partner - stay vigilant about asset jumping/over pricing etc.
• Follow up and collect deferrals and post disbursement documents in a timely manner.
• Ensure only Direct sourcing from authorised dealers and empanelled channels - no third party sourcing, includes employees of other banks and financial institutions.
• Manage relationship with dealers, Commercial Associates, referrals and other sourcing channels to generate business volumes through these channels.
• Ensure Asset verification and Non starter-Early default cases and build relationships
• Ensure timely servicing of customer service requests

Additional Responsibilities:

• No false commitments in the market place/ Misselling strictly not allowed
• No cash transactions without official reciepts
• share all relevant information with seniors promptly.
• To understand the core of the bank's business philosophy and methodology
• Explain terms and conditions to the customer with full transparency and clarity
• 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:

• Customer-centric mindset and actions
• 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:

• 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:

• 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

Work Environment Details:

90% - Field, 10% - Office

Specific requirements

• Travel: High
• Vehicle: 2-wheeler

Other details

• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement

Compliance Related:

• Aherence to Code of Conduct policy of the bank
• Non-disclosure of confidential information about bank, clients
• Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.