About the role
Group Company: AU Small Finance Bank Limited
Designation: Senior Relationship Officer CV & CE 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 commercial vehicle and construction equipment clients to understand their financial needs and business objectives.
- Identify and pursue new business opportunities within the CV & CE segments to achieve sales targets and expand the bank’s portfolio.
- Conduct detailed credit appraisals and risk assessments to ensure sound lending decisions in line with the bank’s policies and regulatory requirements.
- Collaborate with internal teams including credit, operations, and risk management to facilitate seamless loan processing and disbursement.
- Provide expert guidance to clients on various financial products and services tailored to their specific industry requirements.
- Monitor client accounts regularly to ensure timely repayments and proactively address any potential delinquencies or defaults.
- Prepare comprehensive reports and presentations for senior management on portfolio performance, market trends, and client feedback.
- Stay updated with industry developments, competitor activities, and regulatory changes affecting the CV & CE financing sector.
- Lead and mentor junior relationship officers to enhance team performance and ensure consistent service delivery standards.
- Represent the bank at industry events, trade shows, and client meetings to strengthen brand presence and network within the financial services sector.
- Commercial Vehicle Financing
- Construction Equipment Financing
- Credit Appraisal and Risk Assessment
- Client Relationship Management
- Financial Product Structuring
- Regulatory Compliance
- Sales Strategy Development
- Portfolio Management
- Negotiation and Communication
- Market Analysis and Competitor Benchmarking
- Team Leadership and Mentoring
- Report Preparation and Presentation
- Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
- Minimum of 5-7 years of experience in relationship management or sales within the commercial vehicle and construction equipment financing domain.
- Strong understanding of credit appraisal, risk management, and regulatory compliance specific to the financial services industry.
- Proven track record of achieving sales targets and managing high-value client portfolios in a banking or NBFC environment.
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*#