Relationship Officer- Used Car- KA

Job Summary

• Generate business at assigned Dealer/DSA counters for Ujjivan Used Car Business
• Assist customers in completing their loan application journey and gather necessary documentation [KYC]
• Manage the loan portfolio and assist in timely collection of overdues

Size of the Role

• Generate business of 25-50 lakhs per month
• Improve the business number and grow the business by 5% MoM
• Customer Management: 20-40 Customers per month
• Dealer Management: 1-2 Dealer/DSA
• No of files: 3-6 disbursals per month

Key Responsibilities

• Business/Financials
  • Maintain a productivity of at least average 3-6 files per month
  • Identify cross selling opportunities and sell additional financial products
• Customer (Both Internal External)
  • Manage the relationship with the channel partners by providing timely service
  • To acquire new customers by providing them personalized guidance and information about USFBs Used Car Loan Products Re-purchase, Re-finance, Balance Transfer
  • Assist customers in completing the loan application, ensuring all the details are filled accurately.
  • Address any queries or concerns of the customers by providing excellent customer service.
• Internal Process:
  • Ensure proper due diligence assessment of customer before offering loan
  • Manage collection of 6 MOB [1-6 EMIs] from the customer to maintain a strong portfolio for Vehicle Finance
  • Collateral management by timely collection of PDD document and RC.
  • Responsible for maintaining relationship with branches for generating additional business
• Innovation and Learning:
  • Study the processes offerings by competitors and suggest improvements in the current offerings
  • Attend the training sessions on product policies offered by central regional teams to ensure adherence to guidelines faster adoption to changes
  • People Management- Manage the relationship with valuation agencies and RTO agents for smooth processing of cases

Minimum Requirements of Knowledge Skills

Educational Qualifications

• 10th Pass/ Fail

Work Experience

• Minimum 1-2 years of experience required in managing Vehicle Finance products in Bank/NBFC/SFB
• Relevant experience in managing Used Car business is desirable

Skills

• Interpersonal Skills
• Good Communication Skills
• Performance Oriented
• Go Getter/Fast learner

Role Details

• Job Title: Relationship Officer Used Car
• Department: Vehicle Finance
• Location: Branch
• Type of Position: Full-time
• Reports To: Cluster Manager Used Car

Location - Bengaluru,Tumakuru,Tumkur,Mysuru