Relationship Officer Tractor

Key Responsibilities

• Achieve assigned targets and productivity requirements, meeting threshold targets on a monthly basis.
• Generate potential business leads from sourcing channels, follow up, and bring them to closure.
• Assess customer profile, visit customer's place, collect necessary documentation, and recommend customers to credit for approval.
• Ensure physical delivery of the vehicle from the dealer/channel partner, staying vigilant about asset jumping/over pricing.
• Follow up and collect deferrals and post-disbursement documents in a timely manner.
• Ensure direct sourcing from authorized dealers and empanelled channels only, including employees of other banks and financial institutions.
• Manage relationships with dealers, Commercial Associates, referrals, and other sourcing channels to generate business volumes.
• Ensure asset verification and handle non-starter/early default cases, building relationships.
• Ensure timely servicing of customer service requests.

Additional Responsibilities

• No false commitments in the marketplace or misselling.
• No cash transactions without official receipts.
• Share all relevant information with seniors promptly.
• Understand the core of the bank's business philosophy and methodology.
• Explain terms and conditions to the customer with full transparency and clarity.
• Provide timely feedback on customers to the channels.

Requirements & Tech Stack

• Digital business apps and software
• Digital applications

Qualifications

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Required Work Experience: 0 to 3 years
• Knowledge of documents pertaining to vehicle sale/purchase
• Aptitude for sales & marketing - lead generating activities
• Target Market Knowledge - Local Area geography familiarity
• Detailed data collection/recording
• Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken.
• Relationship Management - Client-Centric Approach, respectful.
• Sales Forecasting & Reporting

Competencies

• Customer-centric mindset and actions
• Hard work and detail-orientation
• Eager to learn and grow as a banking professional
• Positive mindset, ethical and high integrity
• Bias for Action and Urgency
• Ownership and accountability for results
• Persistence and patience in dealing with clients

Abilities

• Physical fitness
• Mental agility
• Ability to do extensive field travel/work
• Ability to handle work pressure and demanding clients

Work Environment Details

• 90% - Field, 10% - Office

Specific Requirements

• Travel: High
• Vehicle: 2-wheeler
• Contract Types: Permanent
• Time Constraints: Flexible work hours as per business requirement
• Compliance Related:
• Adherence to Code of Conduct policy of the bank.
• Non-disclosure of confidential information about the bank and clients.
• Responsible handling of bank assets (e.g., ID Card, SIM, Marketing material, digital devices, Receipt book).