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 new 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
Positive 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.

📌 Customer Service Specialist - Car Finance (Bengaluru)
🏢 Ujjivan Financial Services
📍 Bengaluru