AU Small Finance Bank—Senior Relationship Officer Tractor

Job description

Description: Group Company: AU Small Finance Bank Limited Designation: Senior Relationship Officer Tractor Office Location: Position description: Primary interface of the bank with the customer as well as the channels for business sourcing Primary Responsibilities: - 1. Achieve assigned targets and productivity requirements - meet the threshold targets on monthly basis 2. Generate potential business leads from sourcing channels, follow up and bring it to closure 3. Assess customer profile, visit customer's place, collect necessary documentation and recommend customers to credit for approval 4. Ensure physical delivery of vehicle from the dealer/channel partner - stay vigilant about asset jumping/over pricing etc. 5. Follow up and collect deferrals and post disbursement documents in a timely manner. 6. Ensure only Direct sourcing from authorised dealers and empanelled channels - no third party sourcing, includes employees of other banks and financial institutions. 7. Manage relationship with dealers, Commercial Associates, referrals and other sourcing channels to generate business volumes through these channels. 8. Ensure Asset verification and Non starter-Early default cases and build relationships 9. Ensure timely servicing of customer service requests Additional Responsibilities: - 1. No false commitments in the market place/ Misselling strictly not allowed 2. No cash transactions without official reciepts 3. share all relevant information with seniors promptly. 4. To understand the core of the bank's business philosophy and methodology 5. Explain terms and conditions to the customer with full transparency and clarity 6. Provide timely feedback on customers to the channels Reporting Team - Reporting Designation: - Reporting Department: Educational qualifications preferred - Category: - Field specialization: - Degree: - Academic score: - Institution tier: Required Certification/s: Required Training/s: Required work experience - Industry: BFSI - Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer - Years of experience: 0 to 3 Key Performance Indicators: Business Volume, Average Ticket size, Boarding rate Required Competencies: 1. Customer-centric mindset and actions 2. adept at handling digital business apps and software 3. hard work and detail-orientation 4. eager to learn and grow as a banking professional 5. positive mindset, ethical and high integrity 6. Bias for Action and Urgency 7. ownership and accountability for results Required Knowledge: 1. Knowledge of documents pertaining to vehicle sale / purchase 2. Aptitude for sales & marketing - lead generating activities 3. Persistence and patience in dealing with clients 4. Target Market Knowledge - Local Area geography familiarity 5. Familiarity with Digital applications 6. Detailed data collection/recording Required Skills: 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2. Relationship Management - Client-Centric Approach, respectful 3. Sales Forecasting & Reporting Required abilities - Physical: 1. Physical fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. Ability to handle work pressure and demanding clients - Other: Work Environment Details: 90% - Field, 10% - Office Specific requirements - Travel: High - Vehicle: 2-wheeler - Work Permit: Other details - Pay Rate: - Contract Types: Permanent - Time Constraints: Flexibile workhours as per business requirement - Compliance Related: 1. Aherence to Code of Conduct policy of the bank 2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc. - Union Affiliation: