Vehicle Loan Executive

Mahindra Finance; Kollam, Attingal; Hybrid; INR 300,000 - 550,000; Full time

Job summary

Mahindra Finance is seeking a field sales professional in Kollam, Kerala, to drive car loan business. The role focuses on sourcing customers, building dealer and DSA networks, conducting field visits, and achieving monthly loan disbursement targets.

You will handle customer needs, explain terms, assist with applications, and coordinate with credit and operations for smooth processing. Two-wheeler license preferred and a target-driven mindset are essential.

Qualifications

• Excellent communication and customer-handling skills.
• Good negotiation and relationship-building abilities.
• Basic knowledge of loan products and finance industry.

Responsibilities

• Source customers for New Car loans & Pre Owned Car Loans.
• Build and maintain strong relations with dealers, DSA, Brokers, and local influencers.
• Achieve monthly sales targets for loan disbursement.
• Conduct field visits to identify new business opportunities.
• Understand customer needs and recommend suitable loan products.
• Explain loan terms, interest rates, EMI plans, and documentation requirements.
• Assist customers in application filling and ensure end-to-end support.
• Collect and verify customer KYC, income proof, bank statements, and other required documents.
• Coordinate with credit and operations teams for file processing.
• Submit cases for credit approval and follow up until disbursal.
• Update tracking sheets or CRM systems with real-time loan status.
• Resolve discrepancies and support verification officers during field investigations.
• Ensure onboarding and welcome call completion.
• Coordinate with customers for repayment-related queries.
• Assist in overdue follow-ups when required.

Skills

Strong communication

Customer-handling

Negotiation

Relationship building

Independence

Two-wheeler license

Education

Graduation

Job description

2. Key Responsibilities

A. Sales & Business Development

• Source customers for New Car loans & Pre Owned Car Loans.
• Build and maintain strong relations with dealers, DSA, Brokers, and local influencers.
• Achieve monthly sales targets for loan disbursement.
• Conduct field visits to identify new business opportunities.

B. Customer Handling

• Understand customer needs and recommend suitable loan products.
• Explain loan terms, interest rates, EMI plans, and documentation requirements.
• Assist customers in application filling and ensure end-to-end support.

C. Documentation & Verification

• Collect and verify customer KYC, income proof, bank statements, and other required documents.
• Ensure accuracy and compliance as per company policies.
• Coordinate with credit and operations teams for file processing.

D. Loan Processing

• Submit cases for credit approval and follow up until disbursal.
• Update tracking sheets or CRM systems with real-time loan status.
• Resolve discrepancies and support verification officers during field investigations.

E. Post-Disbursement Support

• Ensure onboarding and welcome call completion.
• Coordinate with customers for repayment-related queries.
• Assist in overdue follow-ups when required.

3. Required Skills & Competencies

• Strong communication and customer-handling skills.
• Good negotiation and relationshipbuilding abilities.
• Basic knowledge of loan products and finance industry.
• Ability to work independently and meet targets.
• Two-wheeler and valid driving license preferred.

4. Qualifications & Experience

• Educational Qualification: Graduation
• Experience: 13 years in sales, vehicle loan, or banking/NBFC sector.
• Freshers with good communication skills may also apply.

5. Key Performance Indicators (KPIs)

• Monthly loan disbursement target achievement.
• Dealer relationship score and new dealer onboarded.