Senior Relationship Officer Two Wheeler

Au Small Finance Bank Ltd.; Vellore; Presencial; INR 400.000 - 650.000; Jornada completa

Descripción de la vacante

AU Small Finance Bank Limited is seeking a Senior Relationship Officer for Two Wheeler financing in Vellore. This role serves as the primary interface with customers and sourcing channels, driving loan opportunities and ensuring smooth delivery.

The incumbent will meet monthly targets, assess customer profiles, gather documents, and coordinate with credit for approvals. Strong communication and field sales skills are essential for success.

Formación

• Knowledge of documents pertaining to vehicle sale/purchase.
• Aptitude for sales and marketing and lead generation.
• Local area geography familiarity and market awareness.
• Familiarity with digital applications used in banking and sales.
• Detailed data collection and record keeping.

Responsabilidades

• Achieve assigned targets and productivity expectations on a monthly basis.
• Generate potential business leads from sourcing channels, follow up and close.
• Assess customer profile, visit customer premises, collect documents and refer to credit for approval.
• Ensure physical delivery of vehicle from dealer/channel partner and monitor pricing integrity.
• Follow up for 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 and referrals to boost business volumes.
• Asset verification and handling of non-starter/early default cases; maintain relationships.
• Provide timely servicing of customer service requests.

Conocimientos

Customer-centric

Digital apps

Detail-oriented

Growth mindset

Integrity

Bias for action

Ownership

Herramientas

Digital tools

Descripción del empleo

Group Company

AU Small Finance Bank Limited

Designation

Senior Relationship Officer Two Wheeler

Office Location

VELLORE Vellore

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

Required Certification/s

Required Training/s

Required work experience

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

Required Knowledge

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

Required Skills

• Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken
• Relationship Management - Client-Centric Approach, respectful
• 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:

Specific requirements

• Travel: High
• Vehicle: 2-wheeler
• 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.