Relationship Officer – Vehicle Finance

Primary Responsibilities:

Business Financials Achieve the set targets on Vehicle Finance Loans in terms of open market acquisition and existing customer conversion Coordinate with Products Marketing department to carry out marketing activities in your catchment area Maintain database of the prospects meet select prospects and manage the relationship thereafter Attend X to be defined number of prospects in a dayweekmonth to generate leads and references for Vehicle Finance Loans Cross sell other products of Ujjivan to Vehicle Finance customers and pass quality leads to respective officersstaff Share customer insightsproduct related feedback with the Cluster Manager Vehicle Finance Customer Interact with customers in a courteous and professional manner provide prompt efficient and accurate services and establish professional relationship with them with a long term perspective Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process Carry out the pre and postloan activities related to Vehicle Finance Loans perform simple financial analysis present the loan applications to the sanctioning committee by adhering to the set TAT prioritize the repayment of loans to preserve the portfolio quality Visit the customers business and home to do the assessment evaluation following the Operations Manual procedures Analyze and evaluate the loan applications to determine the situation of the business establish the risks determine the capacity of repayment and the adequate loan amount for the customers needs and also evaluate the family situation and stability Evaluate and Consider the collateral that will secure the loan visit the guarantor if any explain about hisher role during the loan term Coordinate with the credit department in case of identifying discrepancies or problems in customers information reports etc through Cluster Manager Vehicle Finance Inform the customer about the Credit Committee decision Coordinate with Liabilities team if applicable to ensure bank accounts are openedactivated to disburse the loan amount and necessary standing instructions to repay monthly disbursements Perform loan utilization check and follow up on the disbursed loans periodically monitor the loans of those customers especially of the ones not paying on time In case of arrears visits customers and guarantors for the loan recovery and coordinate with collections officer to update the status periodically Innovation Learning Maintain up to date knowledge of Vehicle Finance product as well as a working knowledge of other products offered in the branch Inform Cluster Manager Vehicle Finance about the demand in hisher assigned area as well as on the competition on a regular basis Ensure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines

Locatoin: Paschim Midnapur,Malda,Contai,Guwahati,Sutahata,Silchar,Kamrup,Siliguri,Kharagpur,Berhampore