Job Description

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*#

Job Brief:- AU Small Finance Bank Limited is seeking a dedicated and experienced professional to join our Sales department, focusing on the used tractor financing segment. The role involves building and maintaining strong relationships with customers, understanding their financing needs, and providing tailored financial solutions for used tractor purchases. The ideal candidate will have a deep understanding of agricultural financing, excellent communication skills, and the ability to drive business growth while ensuring compliance with banking policies and regulatory requirements. This position plays a critical role in expanding the bank's footprint in rural and semi-urban markets by delivering exceptional customer service and achieving sales targets.

Responsibilities:-

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 regular sales reports, forecasts, and market feedback to senior management to support strategic decision-making.
Ensure compliance with all internal controls, audit requirements, and risk management protocols related to loan disbursement and recovery.
Train and mentor junior sales staff to enhance their product knowledge and customer handling skills.

Skill:-

Agricultural Finance Expertise
Credit Risk Assessment
Customer Relationship Management
Loan Documentation and Processing
Market Research and Analysis
Sales Forecasting and Reporting
Regulatory Compliance
Communication and Negotiation
Rural Market Penetration
Team Leadership and Mentoring

Preferred Qualifications:-

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