About this role
Key Responsibilities
Business Development
• Source new business through dealers, DSA channels, direct customers, and market references. • Acquire New-to-Bank (NTB) customers and deepen relationships with existing customers. • Achieve monthly, quarterly, and annual disbursement targets for LCV finance. • Identify opportunities in fleet operators, transporters, logistics companies, and individual vehicle owners.
Dealer & Channel Management
• Build and maintain strong relationships with vehicle dealers and channel partners. • Drive business through dealer engagement, product training, and regular market visits. • Ensure dealer productivity and penetration across assigned territories.
Credit & Documentation
• Conduct preliminary customer assessment and document collection. • Coordinate with credit and operations teams for timely processing and disbursement. • Ensure compliance with KYC, regulatory, and internal credit policies.
Portfolio Management
• Monitor customer repayment behavior and portfolio performance. • Minimize delinquency and support collection efforts when required. • Maintain portfolio quality within defined risk parameters.
Customer Relationship Management
• Provide end-to-end customer servicing from lead generation to loan disbursement. • Resolve customer queries and ensure superior customer experience. • Cross-sell banking products such as Insurance, CASA, FASTag, and other asset products.
Market Intelligence
• Track competitor offerings, pricing, and market trends. • Identify new business opportunities and provide market feedback to management.
Desired Candidate Profile
• Graduate/Postgraduate in any discipline. • 2–8 years of experience in Commercial Vehicle Finance, Vehicle Loans, Auto Finance, or NBFC/Banking sales. • Strong understanding of LCV products, underwriting basics, and market practices. • Experience in dealer sourcing and channel management. • Good communication, negotiation, and relationship management skills. • Ability to work independently and achieve business targets. • Proficient in MS Excel and CRM applications. • Willingness to travel extensively within assigned geography.
Key Skills
• Light Commercial Vehicle Finance • Commercial Vehicle Loans • Dealer Management • Channel Sales • Relationship Management • Credit Assessment • Customer Acquisition • Portfolio Management • Collection Coordination • Stakeholder Management • Cross-Selling • Market Development