Job Description: Commercial Vehicle (CV) Finance
Company: Bajaj Finance Limited Location: Various pan-India locations Employment Type: Full-Time
Job Purpose
The candidate will be responsible for driving the growth of the Commercial Vehicle Finance portfolio. This role involves identifying potential customers, managing dealership relationships, and ensuring seamless loan processing for a variety of commercial vehicles (Small, Medium, and Heavy Commercial Vehicles).
Key Responsibilities
- Sales & Business Development: Actively source new customers for Commercial Vehicle loans to meet and exceed monthly disbursement targets.
- Relationship Management: Build and maintain strong strategic partnerships with local vehicle dealers, manufacturers (OEMs), and brokers to ensure a steady flow of business.
- Market Penetration: Identify new market segments and customer profiles (e.g., small fleet operators, captive customers, and first-time users) within the assigned territory.
- Customer Assessment: Conduct preliminary credit checks and gather necessary documentation for CIBIL status and dedupe verification.
- End-to-End Processing: Manage the loan application lifecycle from initial login to final disbursement, coordinating closely with the Credit and Operations teams.
- Portfolio Management: Monitor the health of the portfolio and assist the collections team if necessary to maintain low delinquency levels.
Required Skills & Qualifications
- Education: Graduate in any stream (MBA or equivalent in Sales/Marketing preferred).
- Experience: 2-5 years of experience in Asset Lending or Any Loan, specifically within Commercial Vehicle (CV), Construction Equipment (CE), or Tractor finance.
- Product Knowledge: Deep understanding of CV market dynamics, regional transport authority (RTO) processes, and vehicle valuations.
- Technical Proficiency: Comfort using CRM tools, loan origination systems (LOS), and digital onboarding platforms.
- Soft Skills: Strong negotiation, interpersonal communication, and a results-driven mindset.
Preferred Attributes
- Candidates with existing networks in the local transport industry.
- Prior experience in NBFCs or Banking Sales focusing on retail or rural assets.
- Ability to work in a high-pressure, target-oriented environment.
