Relationship Officer- Used Car- KA

1. 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

1. 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

1. 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

1. KEY RESPONSIBILITIES

1. 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

1. 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.

1. 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 forVehicle Finance
• Collateral management by timely collection of PDD document and RC.
• Responsible for maintaining relationship with branches for generating additional business

1. 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

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications

• 10th 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

1. 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.