About the role
Group Company: AU Small Finance Bank Limited
Designation: Relationship Officer Tractor Used
Office Location:
Position description: #*Position description*#
Primary Responsibilities: #*Primary Responsibilities*#
Additional Responsibilities: #*Additional Responsibilities*#
Reporting Team
- Reporting Designation: #*Reporting Designation*#
- Reporting Department: #*Reporting Department*#
Educational qualifications preferred
#*Education and Experience*#
- Category: #*Category*#
- Field specialization: #*Field specialization*#
- Degree: #*Degree*#
- Academic score: #*Academic score*#
- Institution tier: #*Institution tier*#
Required Certification/s: #*Required Certification/s*#
Required Training/s: #*Required Training/s*#
Required work experience
- Industry: #*Industry*#
- Role: #*Role*#
- Years of experience: #*Years of experience*#
- Develop and maintain strong relationships with existing and potential customers in the used tractor financing segment to drive business growth.
- Assess customer creditworthiness and financial needs to recommend appropriate loan products and financing solutions.
- Conduct detailed market research and competitor analysis to identify new business opportunities and customer segments.
- Collaborate with internal teams to ensure timely processing and disbursal of loans while adhering to bank policies and regulatory guidelines.
- Provide expert guidance to customers on loan application processes, documentation requirements, and repayment schedules.
- Monitor loan accounts regularly to ensure timely repayments and proactively address any delinquencies or defaults.
- Organize and participate in community outreach programs and agricultural fairs to promote the bank’s used tractor financing products.
- Prepare and present detailed reports on sales performance, customer feedback, and market trends to senior management.
- Ensure compliance with all internal controls, risk management protocols, and audit requirements related to loan disbursal and recovery.
- Train and mentor junior sales staff to enhance their product knowledge and customer handling skills.
- Agricultural Finance Expertise
- Credit Risk Assessment
- Customer Relationship Management
- Loan Documentation and Processing
- Market Research and Analysis
- Sales and Negotiation
- Regulatory Compliance
- Financial Product Knowledge
- Communication and Interpersonal Skills
- Report Preparation and Presentation
- Bachelor’s degree in Agriculture, Finance, Business Administration, or a related field.
- Minimum 3-5 years of experience in agricultural financing or rural sales, preferably with exposure to tractor or farm equipment financing.
Key Performance Indicators: #*Key Performance Indicators*#
Required Competencies: #*Required Competencies*#
Required Knowledge: #*Required Knowledge*#
Required Skills: #*Required Skills*#
Required abilities
- Physical: #*Physical*#
- Other: #*Other*#
Work Environment Details: #*Work Environment Details*#
Specific requirements
- Travel: #*Travel*#
- Vehicle: #*Vehicle*#
- Work Permit: #*Work Permit*#
Other details
- Pay Rate: #*Pay Rate*#
- Contract Types: #*Contract Types*#
- Time Constraints: #*Time Constraints*#
- Compliance Related: #*Compliance Related*#
- Union Affiliation: #*Union Affiliation*#