Group Company: AU Small Finance Bank Limited Designation: Senior Relationship Manager Home Loan Office Location: PARKAL Parkal Position description: Handling delinquent accounts, managing bucket-collections as per line of business Primary Responsibilities 1. Understand and align with the company’s core business philosophy, methodology, and product-pricing strategy.

- Identify and assess potential business opportunities within the designated market.
- Generate qualified business leads through various sourcing channels such as OEM exchange outlets, used vehicle dealers, commercial associates, and referrals.
- Achieve monthly, quarterly, and annual volume and value targets as per defined performance metrics.
- Assess customer profiles, collect and validate documentation, and recommend proposals for credit approval.
- Ensure the empanelment and regular servicing of sourcing channels to maintain a steady flow of business.
- Prospect and convert both recent and existing customers to generate incremental sales.
- Maintain and manage relationships with all sourcing channels to sustain business generation.
- Ensure timely collection of post-disbursement documents and monitor deferrals to minimize operational risks.
- Responsible for collections during the initial six months from self-sourced customers to ensure healthy portfolio performance.
- Conduct asset verification and track early default or non-starter cases for appropriate action.
- Meet individual business thresholds and targets consistently on a monthly basis.
- Deliver timely and efficient customer service, fostering robust relationships to promote repeat and referral business.

Additional

Responsibilities 1. Execute the company's product and pricing strategy effectively in day-to-day operations.

- Build and maintain strong relationships with sourcing partners including dealers, commercial associates, and referral agents.




- Provide prompt and professional responses to customer service requests and ensure high levels of customer satisfaction.
- Act as a brand ambassador by promoting the company’s values and maintaining a professional presence in the market.
- Ensure all customer interactions and documentation are handled in compliance with internal policies and regulatory requirements.
- Monitor and report any deviations in the onboarding process, documentation gaps, or operational risks to the appropriate teams.
- Support internal audits, compliance reviews, and asset verification activities as required.
- Gather market intelligence and share feedback with relevant teams to help refine products, pricing, and sourcing strategies.
- Promote ethical sales practices and contribute to a healthy and collaborative team culture.
- Maintain accurate records of interactions, leads, and closures in the company’s CRM or reporting systems.

Reporting Team Reporting Designation: Reporting Department: Educational Qualifications Preferred Category: Field specialization: Degree: Academic score: Institution tier: Required Certification/s Required Training/s: Required Work Experience Industry: BFSI

Role: Executive/Officer

Years of experience: 0 to 3 Key Performance Indicators: Business Volume, Lead Conversion Rate, Channel Productivity, Customer Acquisition Cost, Portfolio Quality, Collection Efficiency, Asset Verification Accuracy, Documentation Compliance, Customer Satisfaction Score,



Channel Engagement Score, CRM Compliance, Referral & Repeat Business Rate Required Competencies: 1. ownership and accountability for results 2. Customer-centric mindset and actions 3. adept at handling digital business apps and software 4. hard work and detail-orientation 5. eager to learn and grow as a banking professional 6. positive mindset, ethical and high integrity 7.

Bias for Action and Urgency Required Knowledge: 1. Product/domain knowledge 2. Familiarity with Digital applications 3.

Target Market

Knowledge - Local Area geography familiarity 4. Ability to do detailed data collection/recording Required Skills: 1.

Professional

Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2.

Relationship

Management - Client-Centric Approach, respectful 3. Business tact & Negotiations - resolving Conflict Required Abilities Physical: 1. Physical fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. Ability to handle work pressure and demanding clients

Other: 1.

Valid

Two-Wheeler Driving License 2. Personal 2-wheeler 3. Own Smartphone 4. track record of past employment 5. Positive reference check and clear civil report Work Environment Details: 90% - Field, 10% - Office Specific Requirements Travel: High

Vehicle: 2-wheeler

Work Permit: Other Details Pay Rate: Contract Types: Permanent

Time Constraints: Flexibile workhours as per business requirement

Compliance Related: 1. Aherence to Code of Conduct policy of the bank 2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.

- Share timely customer feedback with sourcing channels. 5.

Submit Daily Call

Report (DCR) by end of day.

Union Affiliation

📌 Senior Relationship Manager Home Loan (Parkal)
🏢 AU Small Finance Bank
📍 Parkal