Team Leader-Vehicle Finance

Ujjivan Small Finance Bank Ltd.; Jharkhand; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in India seeks a Team Leader-Vehicle Finance to drive lending growth at a branch. Lead a feet-on-street team of RO-BCs, manage dealer counters and push monthly business targets while ensuring quality and portfolio health.

You will recruit, train and supervise RO-BCs, coordinate with Collections for recoveries, and build strong dealer relationships to sustain growth in the Vehicle Finance business.

Qualifications

• Graduate degree is required.
• 2-3 years sales experience in VF loans in NBFC/bank/SFB.
• Experience leading feet-on-street teams preferred.
• Certifications are an added advantage.

Responsibilities

• Drive business with RO-BCs and dealer counters in clusters.
• Set and achieve daily/weekly/monthly RO-BC targets.
• Recruit, train and manage RO-BC staffing at dealerships.
• Coordinate with Collections to control portfolio health.

Skills

Team management

Sales leadership

Customer engagement

Regional language (desirable)

MS Office

MIS & Lending Software

Education

Graduate

Tools

MS Office

MIS systems

Lending Software

Job description

POSITION DESCRIPTION

JOB TITLE

Team Leader-Vehicle Finance

GRADE

M

DEPARTMENT

Vehicle Finance

LOCATION

BRANCH

TYPE OF POSITION

Full-time

REPORTS TO

Cluster Manager-Vehicle Finance

REPORTING INTO

Relationship Officer-BC

ROLE PURPOSE & OBJECTIVE

• Vehicle Finance Loan is a growing business for Ujjivan SFB. The Team Leader - Vehicle Finance Loan is an important position that will drive this business in the respective clusters through RO-BC [feet-on-street]
• Build efficient team of Relationship officers/Business Correspondents in the clusters assigned
• Overall responsible for the control and recovery of loans in his/her catchment through follow-ups & co-ordination with Collections
• Manage relationship with dealer counters and give inputs for strengthening the relationship

SIZE OF THE ROLE

FINANCIAL SIZE

• Expected to drive a minimum business volume of Rs.30 lakh and above monthly business
• Managing multiple dealer counters
• Managing a team size of 4-10 RO-BC
• Managing hiring and placement of Relationship Officers at required dealerships

NON-FINANCIAL SIZE

• KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Manage a team of 4-10 RO-BCs
• Responsible for placing manpower at dealer counters as per business opportunity
• Drive business from dealerships through RO-BC. Setting up daily/weekly/monthly targets of RO-BC and ensure same is achieved
• Ensure RO-BC are productive as per the defined benchmark productivity matrix and help them achieve their variable pay slabs
• Ensure efficient staffing by timely recruitment & training of ROs
• Drive additional business from alternate channels [referral channel, phone banking leads & pre-qualified leads]
• Manage dealer relationship by close interaction with dealerships through regular visits

Customer (Both Internal & External)

• Ensure training of RO-BC for educating the customers about timely repayments
• Conduct CPV on sample basis to understand the gaps in sourcing and suggest improvements.
• Ensure all dealers are onboarded on time and payouts are made on time

Internal Process

• Drive collection of initial EMIs [for 4MOB cases] through the RO-BCs to ensure better portfolio health
• Ensure resolution of non-starters within 15 th of the month and drive collection of outstanding charges
• Ensure that all disbursed physical files [PDD] are to be submitted to Operations and queries [if any] are resolved within 30 days
• Ensure all delivered vehicles [financed by the bank] are hypothecated to Ujjivan SFB and RC to be submitted within 60 days of disbursement. Drive resolution and closure of RC queries

Innovation & Learning

• Ensure that all reportees [RO-BC] in his team are up to date on all relevant guidelines and all products/services offered in the Bank
• Evaluate the staff competences in terms of productivity
• Ensure adherence to training man-days/ mandatory training programs for self and reportees
• Monitor performance of ROs against defined goals/metrics and take corrective action wherever required

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate

Experience (Years And Core Experience Type)

• Minimum 2-3 years in sales and documentation of VF Loans, in an NBFC/Bank/HFC/SFB
• Experience in managing team of feet-on-street is preferred

Certifications

• Relevant certifications shall be an added advantage

Functional Skills

• Ability to manage team of off-roll and drive sales performance. Will be required to take complete ownership of VF feet-on-street performance
• Ability to engage with customers & dealers, Plan & execute Marketing and Sales promotion activities
• Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is an advantage. Has good verbal fluency and uses simple, clear and purposeful language.

Behavioral Skills

• Sound understanding of loan products
• Should possess Training Skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer & dealer relations
• Performance oriented
• Team player and fast learner

Competencies

• Adequate knowledge of tools like MS Office is preferred
• Competent to handle MIS systems and Lending Software

KEY INTERACTIONS

INTERNAL

EXTERNAL

• Product and Marketing Team
• Regional Operations, Credit
• Audit, Vigilance and FCU team
• RO-BC, Cluster Manager, Area Manager & RSM
• Dealer managers & owners
• Competitor Counterparts

PREPARED BY – Sabyasachi Mahapatra

DATE – 27 th Jan’25

REVIEWED BY – Ankit Trivedi

DATE –

LAST UPDATED BY- TM Team

DATE- 10-02-2025