Key Responsibilities:
Lead Generation & Business Development:
- Source new auto loan customers through dealers, DSAs, open market, and digital channels.
- Build and maintain strong relationships with auto dealers and their sales teams.
Customer Engagement:
- Explain auto loan products, features, interest rates, and EMI plans to customers.
- Understand customer requirements and suggest suitable financing options.
File Processing:
- Collect and verify pre-disbursement documents (KYC, income proof, vehicle invoice).
- Coordinate with credit and operations for loan login, approval, and disbursement.
Negotiation & Closure:
- Coordinate with the credit team to negotiate and resolve customer-related issues.
- Follow up for deal closure and ensure TAT (Turnaround Time) is met.
- Post-Disbursement Compliance:
- Collect post-disbursement documents like RC copy, insurance, NOC, etc.
- Ensure full compliance with internal audit and RBI/KYC norms.
- Reporting & Performance Monitoring:
- Maintain MIS and submit daily/weekly reports to supervisors.
- Achieve monthly disbursement and productivity targets.
Key Skills & Competencies:
- In-depth knowledge of auto loan products (new and used vehicles).
- Strong communication, negotiation, and interpersonal skills.
- Dealer relationship management.
- Proficiency in MS Excel, loan origination systems, and CRM tools.
- Ability to work independently under target-driven conditions.
