Auto Finance Relationship Specialist

U Microfinance Bank Limited; Punjab; On-site; PKR 600,000 - 1,200,000; Full time

Job summary

U Microfinance Bank Limited seeks a dynamic professional for vehicle financing sales in Pakistan. The role focuses on acquiring customers, building dealer networks, explaining financing terms, and processing applications to meet targets.

The candidate should have 2–4 years of banking experience in auto finance or consumer lending, with strong communication and negotiation skills. Responsibilities include risk assessment, documentation, and portfolio management.

Qualifications

• Bachelor’s degree in Business Administration, Commerce, Finance or related discipline.
• 2–4 years of banking experience, preferably in auto finance or consumer lending.
• Experience in dealer networking, customer acquisition and financing documentation is advantageous.

Responsibilities

• Identify and acquire customers for vehicle financing to meet sales targets.
• Develop relationships with auto dealers and prospective customers to generate leads.
• Explain auto finance products, eligibility criteria and repayment terms.
• Process applications and verify documents per bank policy.
• Assess income, creditworthiness and repayment capacity for risk.
• Coordinate with departments to obtain approvals and disburse funds timely.
• Ensure complete documentation and pre-disbursement formalities.
• Monitor portfolio and coordinate with Recovery for collections.
• Maintain accurate reports on sales, applications, disbursements and portfolio.
• Ensure compliance with KYC/AML and internal controls.
• Support deposit mobilization and cross-sell banking products where applicable.
• Perform any other duties assigned by the line manager.

Skills

Sales

Business development

Customer acquisition

Communication

Negotiation

Relationship management

Auto finance

Consumer lending

Credit assessment

Target achievement

Work under pressure

Analytical skills

Problem solving

Documentation

Customer focus

Integrity

Compliance

Education

Bachelor's degree in Business Administration

Bachelor's degree in Commerce

Bachelor's degree in Finance

Job description

U Microfinance Bank Limited seeks a dynamic professional for vehicle financing sales in Pakistan. The role focuses on acquiring customers, building dealer networks, explaining financing terms, and processing applications to meet targets.

The candidate should have 2–4 years of banking experience in auto finance or consumer lending, with strong communication and negotiation skills. Responsibilities include risk assessment, documentation, and portfolio management.