Job Description

Key Responsibilities

Business Development

• Source new business through dealers, DSA channels, direct customers, and market references.
• Acquire New-to-Bank (NTB) customers and deepen relationships with existing customers.
• Achieve monthly, quarterly, and annual disbursement targets for LCV finance.
• Identify opportunities in fleet operators, transporters, logistics companies, and individual vehicle owners.

Dealer & Channel Management

• Build and maintain strong relationships with vehicle dealers and channel partners.
• Drive business through dealer engagement, product training, and regular market visits.
• Ensure dealer productivity and penetration across assigned territories.

Credit & Documentation

• Conduct preliminary customer assessment and document collection.
• Coordinate with credit and operations teams for timely processing and disbursement.
• Ensure compliance with KYC, regulatory, and internal credit policies.

Portfolio Management

• Monitor customer repayment behavior and portfolio performance.
• Minimize delinquency and support collection efforts when required.
• Maintain portfolio quality within defined risk parameters.

Customer Relationship Management

• Provide end-to-end customer servicing from lead generation to loan disbursement.
• Resolve customer queries and ensure superior customer experience.
• Cross-sell banking products such as Insurance, CASA, FASTag, and other asset products.

Market Intelligence

• Track competitor offerings, pricing, and market trends.
• Identify new business opportunities and provide market feedback to management.

Desired Candidate Profile

• Graduate/Postgraduate in any discipline.
• 2–8 years of experience in Commercial Vehicle Finance, Vehicle Loans, Auto Finance, or NBFC/Banking sales.
• Strong understanding of LCV products, underwriting basics, and market practices.
• Experience in dealer sourcing and channel management.
• Good communication, negotiation, and relationship management skills.
• Ability to work independently and achieve business targets.
• Proficient in MS Excel and CRM applications.
• Willingness to travel extensively within assigned geography.

Key Skills

• Light Commercial Vehicle Finance
• Commercial Vehicle Loans
• Dealer Management
• Channel Sales
• Relationship Management
• Credit Assessment
• Customer Acquisition
• Portfolio Management
• Collection Coordination
• Stakeholder Management
• Cross-Selling
• Market Development