- Vehicle Finance Loan is a growing business for Ujjivan SFB.
The Team
Leader - Vehicle Finance Loan is an important position that will drive this business in the respective clusters through RO-BC [feet-on-street]
- Build efficient team of Relationship officers/Business Correspondents in the clusters assigned
- Overall responsible for the control and recovery of loans in his/her catchment through follow-ups & co-ordination with Collections
- Manage relationship with dealer counters and give inputs for strengthening the relationship
- SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
- Expected to drive a minimum business volume of Rs.30 lakh and above monthly business
- Managing multiple dealer counters
- Managing a team size of 4-10 RO-BC
- Managing hiring and placement of Relationship Officers at required dealerships
- KEY DUTIES &
RESPONSIBILITIES OF THE ROLE
Business/ Financials
- Manage a team of 4-10 RO-BCs
- Responsible for placing manpower at dealer counters as per business opportunity
- Drive business from dealerships through RO-BC. Setting up daily/weekly/monthly targets of RO-BC and ensure same is achieved
- Ensure RO-BC are productive as per the defined benchmark productivity matrix and help them achieve their variable pay slabs
- Ensure effective staffing by timely recruitment & training of ROs
- Drive additional business from alternate channels [referral channel, phone banking leads & pre-qualified leads]
- Manage dealer relationship by close interaction with dealerships through regular visits
Customer (Both Internal &
- External)
- Ensure training of RO-BC for educating the customers about timely repayments
- Conduct CPV on sample basis to understand the gaps in sourcing and suggest improvements.
- Ensure all dealers are onboarded on time and payouts are made on time
Internal Process
- Drive collection of initial EMIs [for 4MOB cases] through the RO-BCs to ensure better portfolio health
- Ensure resolution of non-starters within 15 th of the month and drive collection of outstanding charges
- Ensure that all disbursed physical files [PDD] are to be submitted to Operations and queries [if any] are resolved within 30 days
- Ensure all delivered vehicles [financed by the bank] are hypothecated to Ujjivan SFB and RC to be submitted within 60 days of disbursement. Drive resolution and closure of RC queries
Innovation &
- Learning
- Ensure that all reportees [RO-BC] in his team are up to date on all relevant guidelines and all products/services offered in the Bank
- Evaluate the staff competences in terms of productivity
- Ensure adherence to training man-days/ mandatory training programs for self and reportees
- Monitor performance of ROs against defined goals/metrics and take corrective action wherever required
- MINIMUM REQUIREMENTS OF KNOWLEDGE &
SKILLS
Educational
Qualifications
- Graduate
Experience (Years And Core Experience Type)
- Minimum 2-3 years in sales and documentation of VF Loans, in an NBFC/Bank/HFC/SFB
- Experience in managing team of feet-on-street is preferred
Certifications
- Relevant certifications shall be an added advantage
Functional Skills
- Ability to manage team of off-roll and drive sales performance.
Will be required to take complete ownership of VF feet-on-street performance
- Ability to engage with customers & dealers, Plan & execute Marketing and Sales promotion activities
- Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is an advantage. Has good verbal fluency and uses simple, clear and purposeful language.
Behavioral Skills
- Sound understanding of loan products
- Should possess Training Skills
- Willingness to travel & relocation as per business requirements and career opportunities
- Managing customer & dealer relations
- Performance oriented
- Team player and fast learner
Competencies
- Adequate knowledge of tools like MS Office is preferred
- Competent to handle MIS systems and Lending Software
- KEY INTERACTIONS
INTERNAL
EXTERNAL
- Product and Marketing Team
- Regional Operations, Credit
- Audit, Vigilance and FCU team
- RO-BC, Cluster Manager, Area Manager &
- RSM
- Dealer managers & owners
- Competitor Counterparts
PREPARED BY –
- Sabyasachi Mahapatra
DATE – 27 th Jan’25 REVIEWED BY –
- Ankit Trivedi
DATE – LAST UPDATED BY- TM Team
DATE- 10-02-2025
📌 Team Leader-Vehicle Finance (Agartala)
🏢 Ujjivan Small Finance Bank
📍 Agartala
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