Vehicle Loans Executive

Mahindra Finance; Pathanamthitta, Kollam, Thiruvananthapuram; On-site; INR 350,000 - 550,000; Full time

Job summary

Mahindra Finance is seeking a field sales executive to manage the end-to-end vehicle loan process, from sourcing leads to disbursement. You will engage dealers and direct customers, verify documents, assess creditworthiness, and drive monthly targets while nurturing dealer relationships.

This role requires strong communication, negotiation skills, and the ability to work independently. Freshers with good communication can apply; a two-wheeler and valid license are preferred.

Qualifications

• Educational Qualification: Graduation.
• Experience: 2 to 5 years in sales, vehicle loan, or banking/NBFC sector.
• Freshers with good communication skills may also apply.
• Two-wheeler and valid driving license preferred.

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.
• 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.

Skills

Strong communication

Customer handling

Negotiation

Relationship building

Basic loan knowledge

Independent work

Two-wheeler license

Education

Graduation

Job description

Role & responsibilities

Drives, manages, and executes the end-to-end vehicle financing process, from sourcing leads to final disbursement. Key responsibilities include generating business via dealers and direct customers, verifying documentation, analyzing creditworthiness, and meeting sales targets while maintaining strong, long-term dealer relationships.

Key Responsibilities

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.

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.

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.

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.

Post-Disbursement Support

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

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.

Qualifications & Experience

• Educational Qualification: Graduation
• Experience: 2 to 5 years in sales, vehicle loan, or banking/NBFC sector.
• Freshers with good communication skills may also apply.

Key Performance Indicators (KPIs)

• Monthly loan disbursement target achievement.
• Dealer relationship score and new dealer onboarded.
• TAT for login and disbursement.
• Portfolio quality and customer satisfaction.