Relationship Officer Wheels Used

Role: Relationship Officer Wheels Used

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/overpricing.
• Follow up and collect deferrals and post-disbursement documents in a timely manner.
• Ensure direct sourcing only from authorized dealers and empanelled channels, excluding third-party sourcing 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 manage non-starter/early default cases, building relationships.
• Ensure timely servicing of customer service requests.

Additional Responsibilities

• No false commitments or misselling in the marketplace.
• No cash transactions without official receipts.
• Promptly share all relevant information with seniors.
• 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
• Familiarity with Digital applications

Qualifications

• Knowledge of documents pertaining to vehicle sale/purchase.
• Aptitude for sales & marketing - lead generating activities.
• Persistence and patience in dealing with clients.
• Target Market Knowledge - Local Area geography familiarity.
• Detailed data collection/recording.

Skills

• 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.
• Eagerness to learn and grow as a banking professional.
• Positive mindset, ethical and high integrity.
• Bias for Action and Urgency.
• Ownership and accountability for results.

Abilities

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

Work Environment

• 90% - Field, 10% - Office
• High travel requirement.
• 2-wheeler vehicle required.

Compliance

• Adherence to the 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).

Experience & Background

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Years of experience: 0 to 3 years