Home Loan Officer ||

Role & responsibilities Home loan :

Source and acquire new customers for home loans through direct sales, referrals, and channel partners.

• Conduct initial assessment of applicants financial background and eligibility.
  
• Explain loan products, terms, and interest rates clearly to customers.
  
• Coordinate with credit, operations, and legal teams for timely processing and approval.
  
• Maintain relationships with builders, property agents, and developers for lead generation.
  
• Ensure compliance with KYC, documentation, and internal audit requirements.
  
• Achieve assigned monthly and quarterly sales targets.
  
• Handle post-disbursement customer queries and maintain good service quality.
  
• Track market trends and competitor products to identify new opportunities.

Skills:

• Strong sales and negotiation skills.
  
• Good knowledge of vehicle finance products and credit processes.
  
• Excellent communication and interpersonal skills.
  
• Ability to work under pressure and meet targets.
  
• Proficiency in MS Office and CRM systems.
  

Key Performance Indicators (KPIs):

• Vehicle loan disbursement volume and value.
  
• Dealer satisfaction and retention rate.
  
• Lead conversion rate.
  
• Portfolio quality (low delinquency rate).
  
• Customer satisfaction and repeat business.
  

• Source and acquire new customers for vehicle loans through direct sales, dealer tie-ups, and referral networks.
  
• Build and maintain strong relationships with automobile dealers, showrooms, and DSA (Direct Selling Agents).
  
• Explain loan features, interest rates, EMIs, and terms to customers clearly.
  
• Conduct preliminary credit assessment and documentation verification.
  
• Coordinate with credit, operations, and collections teams for loan approvals and disbursement.
  
• Ensure proper KYC, documentation, and adherence to lending policies and compliance guidelines.
  
• Achieve monthly and quarterly disbursement and revenue targets.
  
• Track competitor products, interest rates, and market trends to identify opportunities.
  
• Handle post-disbursement customer service issues and loan closure formalities.
  

• Experience:

  1 - 5 years of experience in vehicle loan sales or auto finance (bank/NBFC).

• Skills:

• Strong sales and negotiation skills.
  
• Good knowledge of vehicle finance products and credit processes.
  
• Excellent communication and interpersonal skills.
  
• Ability to work under pressure and meet targets.
  
• Proficiency in MS Office and CRM systems.
  

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