- POSITION DESCRIPTION

JOB TITLE : Relationship Officer –
- Used Car

GRADE : DM-I

DEPARTMENT : Vehicle Finance

LOCATION : Branch

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Cluster Manager –

- Used Car

REPORTING INTO

- ROLE PURPOSE &
- OBJECTIVE
- Generate business at assigned Dealer/DSA counters for Ujjivan Used Car Business
- Assist customers in completing their loan application journey and gather necessary documentation [KYC]
- Manage the loan portfolio and assist in timely collection of overdues
- SIZE OF THE ROLE

Financial Size Non -Financial Size
- Generate business of 25-50 lakhs per month
- Improve the business number and grow the business by 5% MoM
- Customer Management: 20-40 Customers per month
- Dealer Management: 1-2 Dealer/DSA
- No of files: 3-6 disbursals per month
- KEY RESPONSIBILITIES
- Business/Financials
- Achieve monthly sales targets and contribute to business numbers
- Maintain a productivity of at least average 3-6 files per month
- Identify cross selling opportunities and sell additional financial products
- Customer (Both Internal &
- External)
- Manage the relationship with the channel partners by providing timely service
- To acquire current customers by providing them personalized guidance and information about USFB’s Used Car Loan Products –
- Re-purchase, Re-finance, Balance Transfer
- Assist customers in completing the loan application, ensuring all the details are filled accurately.
- Address any queries or concerns of the customers by providing excellent customer service.
- Internal Process:




- Ensure proper due diligence & assessment of customer before offering loan
- Manage collection of 6 MOB [1-6 EMIs] from the customer to maintain a strong portfolio for Vehicle Finance
- Collateral management by timely collection of PDD document and RC.
- Responsible for maintaining relationship with branches for generating additional business
- Innovation and Learning:
- Study the processes & offerings by competitors and suggest improvements in the current offerings
- Attend the training sessions on product & policies offered by central & regional teams to ensure adherence to guidelines & faster adoption to changes
- People Management- Manage the relationship with valuation agencies and RTO agents for smooth processing of cases
- MINIMUM REQUIREMENTS OF KNOWLEDGE &

SKILLS

Educational Qualifications

- 10 th Pass/ Fail

Work Experience
- Minimum 1-2 years of experience required in managing Vehicle Finance products in Bank/NBFC/SFB
- Relevant experience in managing Used Car business is desirable

Skills

- Interpersonal Skills
- Good Communication Skills
- Performance Oriented
- Go Getter/Fast learner
- KEY INTERACTIONS

INTERNAL

EXTERNAL

Business Head, Regional Sales Manager, Lead Business, Cluster Manager

Dealers/DSA

Regional Operations, Credit, Regional Collections

Customers

Product team

Valuation agency, RTO agents

PREPARED BY: Sabyasachi Mahapatra

DATE: 24-11-2025

REVIEWED BY: Premkumar G

DATE: 03-12-2025

LAST UPDATED BY: TM Team

Date

This is Internal document.

📌 -Used car- (Bengaluru)
🏢 Ujjivan Small Finance Bank
📍 Bengaluru