Meet sales target by securing new quality loans in line with Management decision on the portfolio mix of products and customers; Maintain good business relationship with internal and external stakeholders; Ensure documents for loan application received from dealer / customer are in accordance to guidelines requirement; Ensure authentication of identification, income and vehicle documents; Ensure consent is given by customer before proceeding further on the loan applications; Interview applicant and conduct thorough KYC;

Evaluate credit worthiness by processing loan applications and documentation within specified limitsInterview applicants to determine financial eligibility and feasibility of granting loansDetermine all applicable ratios and metrics and set up debt payment plansCommunicate with clients either to request or to provide informationJustify decisions (approvals/rejections) and report on themComplete loan contracts and counsel clients on policies and restrictionsUpdate job knowledge on types of loans and other financial services

🚨 Job Opening – Equitas Bank 🚨 📍 Locations: Madurai 💼 Salary: Up to ₹4.5 LPA 🕒 Experience: 6 months to 2 years 🎓 Qualification: Any Regular Degree 🎂 Age Limit: Below 30 years 💳 CIBIL Score: Minimum 650 required 🔹 Open Positions: => Business Development Officer (CASA Sales) 📝 Key Responsibilities: Acquire new customers for Current and Savings Accounts (CASA). Explain and guide customers through the account opening process.

Building strong long-term, trusting relationships with existing and new customers. Actively seeking out new sales opportunities through sales meetings, cold calling, networking and social media. Negotiate/close deals and handle complaints or objections. Participate on behalf of the company in exhibitions or conferences. Follow the various internal guidelines and procedures of Ollin.

romote the Car Loans product and convince the customers to deal with Ollin. Calculate and inform the client with full Car Loan installment details. Use a new efficient sales technique to attract new customers and increase market share. Establish and develop positive business and customer relationships to create new opportunities through referrals and connections. Achieve agreed upon sales targets within schedule.

Identify New Opportunities: Pursue potential clients through prospecting, cold calling, and networking to generate leads. Sales Presentation: Prepare and deliver engaging sales presentations to potential clients, highlighting product benefits. Relationship Management: Develop and maintain long-term relationships with clients to understand their needs and provide tailored solutions. Negotiation: Negotiate contracts and pricing terms to close sales effectively. Collaboration: Work alongside internal teams to ensure timely delivery of products and services. Market Research: Monitor competitors’ activities and industry trends to identify new opportunities and improve sales strategies. Reporting: Track sales activities and maintain accurate records using CRM software; provide regular updates to management on performance.

Promote the Car Loans product and convince the customers to deal with Ollin. Calculate and inform the client with full Car Loan installment details. Use a new efficient sales technique to attract new customers and increase market share. Establish and develop positive business and customer relationships to create new opportunities through referrals and connections. Achieve agreed upon sales targets within schedule. Selling, upselling, and cross selling Ollin’s Auto financing products to existing, new, and potential customers and develop referral networks.

Key Responsibilities Build and maintain a consistent flow of loan applications from quality customers seeking used car financing. Manage customer relationships professionally, addressing their finance requirements promptly and efficiently. Obtain all necessary documentation accurately and on time to practice a ‘First Time Right’ approach. Actively generate and cross-sell bank products such as savings accounts, term deposits, FASTag where applicable. Ensure 100% compliance with Equitas policies, RBI regulations, and other statutory requirements. Maintain close follow-up with channels such as dealers and DSAs, ensuring no payment default dues are pending for more than 60 days. Understand product features and policies in detail to offer appropriate loan schemes that match client requirements.

1. Evaluating Loan Applications: Credit Assessment: Analyse applicants' financial information, including credit scores, income, and debts, to determine their ability to repay a loan. Risk Analysis: Assess the risk associated with each loan application and make recommendations to the credit department. Documentation Review: Verify the accuracy and completeness of loan applications and related documents. 2. Guiding the Loan Process: Consulting with Applicants: Meet with potential borrowers to understand their financial needs and goals, explaining different loan options and their terms. Providing Financial Advice: Offer guidance on loan products, interest rates, and eligibility criteria, helping borrowers make informed decisions. Managing Loan Applications: Facilitate the entire loan application process, from initial application to final approval, ensuring timely and efficient processing. Maintaining Records: Keep accurate and up-to-date records of all loan applications, communications, and transactions. 3. Ensuring Compliance: Adhering to Regulations: Ensure all loan activities comply with relevant federal and state regulations and lending guidelines. Staying Updated: Keep abreast of changes in lending regulations and industry best practices. 4. Building Relationships: Developing Referral Networks: Establish relationships with referral sources, such as real estate agents and financial advisors, to generate new leads. Maintaining Client Relationships: Build and maintain strong, trusting relationships with clients, providing excellent customer service and support. 5. Other Responsibilities: Cross-selling: Identify opportunities to cross-sell other financial products and services to existing clients. Problem Solving: Address and resolve any loan-related issues or concerns that may arise. Reporting: Prepare reports on loan activity and performance for management.

ResponsibilitiesContact customers with overdue accounts to arrange payment plans. Negotiate payment arrangements to maximize debt recovery. Maintain accurate records of customer interactions and payment plans. Report progress on collections and accounts.

Key Responsibilities Client Relationship Management: Build and maintain long-term relationships with clients, serving as their primary point of contact and trusted advisor. Client Onboarding: Guide new clients through the onboarding process, ensuring a smooth transition and understanding of services offered. Account Management: Oversee multiple client accounts, regularly reviewing their status and ensuring services meet or exceed expectations. Problem Resolution: Address client issues and complaints promptly, working to resolve them effectively to maintain satisfaction and loyalty. Business Development: Identify opportunities for upselling and cross-selling additional products or services to existing clients, contributing to revenue growth. Collaboration: Work closely with internal teams (sales, marketing, operations) to ensure seamless service delivery and alignment with client needs. Performance Monitoring: Analyze client data and feedback to assess satisfaction levels and identify areas for improvement. Communication Skills: Excellent verbal and written communication skills to convey value propositions and maintain client engagement. Emotional Intelligence: Ability to empathize with clients and adapt communication styles to different personalities. Analytical Skills: Proficiency in data analysis to understand client behavior and inform strategic decisions. Negotiation Skills: Strong negotiation abilities to resolve conflicts and close deals beneficial to both parties. Time Management: Effective time management skills to prioritize tasks and manage multiple client relationships simultaneously.

Job responsibilities Execute on business initiatives by creating and maintaining open communication with employees, peers, leadership team and other lines of business, including developing and delivering executive and external reporting and other communications. Make informed business decisions using your independent judgement, skill set, experience, and subject matter expertise, in combination with documented policies and procedures, relationships with critical partners, expanded empowerments and increased authority levels, to enhance the performance of the department and business. Identify and own end-to-end process improvement opportunities, which may include recommending solution(s), developing and maintaining training content, implementing changes, managing process/policy changes, and partnering with the change management leadership team as necessary.