• 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 US
FB’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/Rapid 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.

📌 Relationship Officer- Used Car- KA (Tumakuru)
🏢 Ujjivan Small Finance Bank
📍 Tumakuru