Relationship Officer Wheels Used

AU SMALL FINANCE BANK; Thiruvallur District; On-site; INR 240,000 - 360,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Relationship Officer Wheels Used based in AVADI, Thiruvallur. You will serve as the primary interface with customers and sourcing channels, driving vehicle loan opportunities and handling end-to-end processes in the field.

You will build dealer relationships, verify documents, and ensure timely delivery and post-disbursement follow-up. A strong emphasis on compliance, transparency, and customer service is essential for success in this role.

Qualifications

• Knowledge of vehicle sale/purchase documents.
• Aptitude for sales and marketing; lead generation.
• Persistence and patience in client dealings.
• Local area market knowledge and geography familiarity.
• Familiarity with digital applications.

Responsibilities

• Achieve assigned targets and productivity requirements on a monthly basis.
• Generate potential business leads from sourcing channels and close them.
• Assess customer profile, visit customers, collect documents and seek credit approval.
• Ensure physical delivery of vehicles from dealers/channel partners; monitor pricing accuracy.
• Follow up on deferrals and post-disbursement documents in a timely manner.
• Ensure sourcing only from authorised dealers; avoid third-party sourcing.

Skills

Customer-centric attitude

Digital apps familiarity

Work under pressure

Learning and growth mindset

Integrity and ethics

Action orientation

Ownership and accountability

Education

Any degree

Tools

CRM tools

Mobile apps

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Relationship Officer Wheels Used

Office Location:

AVADI Thiruvallur

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 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: