Autalenthub·17 days ago
17 days ago
Relationship Officer Wheels Used
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What you'll do
- Develop and maintain strong relationships with customers, used vehicle dealers, and other channel partners to promote the bank’s used wheels financing products.
- Identify potential customers and generate leads through market research, networking, and referrals to achieve sales targets.
- Conduct detailed credit assessments and financial analysis of applicants to ensure creditworthiness and minimize risk.
- Prepare and present customized financing proposals to customers, explaining product features, terms, and benefits clearly.
- Coordinate with internal teams including credit, legal, and operations to ensure smooth processing and timely disbursal of loans.
- Monitor loan accounts regularly to ensure timely repayments and take proactive measures to manage delinquencies.
- Stay updated with industry trends, competitor offerings, and regulatory changes to provide informed advice and maintain competitive advantage.
- Organize and participate in promotional events and campaigns to increase product visibility and customer engagement.
- Maintain accurate records of customer interactions, sales activities, and pipeline status using CRM tools.
- Provide feedback to product development teams based on customer insights and market demands to enhance product offerings.
- Ensure compliance with all banking regulations, internal policies, and ethical standards in all sales and relationship management activities.
What they're looking for
- Bachelor’s degree in Finance, Business Administration, or a related field
- Minimum of 3-5 years of experience in vehicle financing or related financial services sales
Nice to have
- MBA or equivalent postgraduate qualification
- Experience within the used vehicle segment
Summarised by NextRaise from the employer’s description, which follows in full below.
Full description from employer
Group Company: AU Small Finance Bank Limited
Designation: Relationship Officer Wheels Used
Office Location:
Position description: #*Position description*#
Primary Responsibilities: #*Primary Responsibilities*#
Additional Responsibilities: #*Additional Responsibilities*#
Reporting Team
- Reporting Designation: #*Reporting Designation*#
- Reporting Department: #*Reporting Department*#
Educational qualifications preferred
#*Education and Experience*#
- Category: #*Category*#
- Field specialization: #*Field specialization*#
- Degree: #*Degree*#
- Academic score: #*Academic score*#
- Institution tier: #*Institution tier*#
Required Certification/s: #*Required Certification/s*#
Required Training/s: #*Required Training/s*#
Required work experience
- Industry: #*Industry*#
- Role: #*Role*#
- Years of experience: #*Years of experience*#
Job Brief:- AU Small Finance Bank Limited is seeking a dedicated and proactive professional to join our Sales Department as a Relationship Officer specializing in Wheels Used financing. This role is pivotal in driving the bank's growth in the used vehicle financing segment by building and maintaining strong relationships with customers, dealers, and other stakeholders. The ideal candidate will have a deep understanding of the financial services industry, particularly in vehicle financing, and possess excellent sales acumen to identify and capitalize on business opportunities. This position requires a strategic thinker with strong interpersonal skills to deliver tailored financial solutions that meet customer needs while ensuring compliance with regulatory standards and internal policies.
Responsibilities:-
- Develop and maintain strong relationships with customers, used vehicle dealers, and other channel partners to promote the bank’s used wheels financing products.
- Identify potential customers and generate leads through market research, networking, and referrals to achieve sales targets.
- Conduct detailed credit assessments and financial analysis of applicants to ensure creditworthiness and minimize risk.
- Prepare and present customized financing proposals to customers, explaining product features, terms, and benefits clearly.
- Coordinate with internal teams including credit, legal, and operations to ensure smooth processing and timely disbursal of loans.
- Monitor loan accounts regularly to ensure timely repayments and take proactive measures to manage delinquencies.
- Stay updated with industry trends, competitor offerings, and regulatory changes to provide informed advice and maintain competitive advantage.
- Organize and participate in promotional events and campaigns to increase product visibility and customer engagement.
- Maintain accurate records of customer interactions, sales activities, and pipeline status using CRM tools.
- Provide feedback to product development teams based on customer insights and market demands to enhance product offerings.
- Ensure compliance with all banking regulations, internal policies, and ethical standards in all sales and relationship management activities.
Skill:-
- Used Vehicle Financing Expertise
- Credit Risk Assessment
- Customer Relationship Management (CRM)
- Financial Analysis and Reporting
- Sales and Negotiation
- Regulatory Compliance
- Market Research and Lead Generation
- Communication and Presentation
- Stakeholder Management
- Problem Solving and Decision Making
- Time Management and Organization
Preferred Qualifications:-
- Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification is preferred.
- Minimum of 3-5 years of experience in vehicle financing or related financial services sales, preferably within the used vehicle segment.
Key Performance Indicators: #*Key Performance Indicators*#
Required Competencies: #*Required Competencies*#
Required Knowledge: #*Required Knowledge*#
Required Skills: #*Required Skills*#
Required abilities
- Physical: #*Physical*#
- Other: #*Other*#
Work Environment Details: #*Work Environment Details*#
Specific requirements
- Travel: #*Travel*#
- Vehicle: #*Vehicle*#
- Work Permit: #*Work Permit*#
Other details
- Pay Rate: #*Pay Rate*#
- Contract Types: #*Contract Types*#
- Time Constraints: #*Time Constraints*#
- Compliance Related: #*Compliance Related*#
- Union Affiliation: #*Union Affiliation*#
Company
Autalenthub
Pune, India
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