REPORTSTO
ClusterManager-Vehicle Finance
REPORTINGINTO
RelationshipOfficer-BC
ROLEPURPOSE & OBJECTIVE
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VehicleFinance Loan is a growing business for Ujjivan SFB. The TeamLeader - Vehicle Finance Loan is an important position that willdrive this business in the respective clusters through RO-BC[feet-on-street]
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Buildefficient team of Relationship officers/Business Correspondentsin the clusters assigned
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Overallresponsible for the control and recovery of loans in his/hercatchment through follow-ups & co-ordination with Collections
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Managerelationship with dealer counters and give inputs forstrengthening the relationship
SIZEOF THE ROLE
FINANCIALSIZE
NON-FINANCIALSIZE
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Expectedto drive a minimum business volume of Rs.30 lakh and abovemonthly business
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Managingmultiple dealer counters
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Managinga team size of 4-10 RO-BC
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Managinghiring and placement of Relationship Officers at requireddealerships
KEYDUTIES & RESPONSIBILITIES OF THE ROLE
Business/Financials
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Managea team of 4-10 RO-BCs
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Responsiblefor placing manpower at dealer counters as per businessopportunity
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Drivebusiness from dealerships through RO-BC. Setting updaily/weekly/monthly targets of RO-BC and ensure same is achieved
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EnsureRO-BC are productive as per the defined benchmark productivitymatrix and help them achieve their variable pay slabs
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Ensureefficient staffing by timely recruitment & training of ROs
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Driveadditional business from alternate channels [referral channel,phone banking leads & pre-qualified leads]
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Managedealer relationship by close interaction with dealerships throughregular visits
Customer(Both Internal & External)
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Ensuretraining of RO-BC for educating the customers about timelyrepayments
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ConductCPV on sample basis to understand the gaps in sourcing andsuggest improvements.
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Ensureall dealers are onboarded on time and payouts are made on time
InternalProcess
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Drivecollection of initial EMIs [for 4MOB cases] through the RO-BCs toensure better portfolio health
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Ensureresolution of non-starters within 15 th of the month and drive collection of outstanding charges
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Ensurethat all disbursed physical files [PDD] are to be submitted toOperations and queries [if any] are resolved within 30 days
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Ensureall delivered vehicles [financed by the bank] are hypothecated toUjjivan SFB and RC to be submitted within 60 days ofdisbursement. Drive resolution and closure of RC queries
Innovation& Learning
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Ensurethat all reportees [RO-BC] in his team are up to date on allrelevant guidelines and all products/services offered in the Bank
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Evaluatethe staff competences in terms of productivity
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Ensureadherence to training man-days/ mandatory training programs forself and reportees
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Monitorperformance of ROs against defined goals/metrics and takecorrective action wherever required
MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
Experience(Years and Core Experience Type)
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Minimum2-3 years in sales and documentation of VF Loans, in anNBFC/Bank/HFC/SFB
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Experiencein managing team of feet-on-street is preferred
Certifications
FunctionalSkills
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Abilityto manage team of off-roll and drive sales performance. Will berequired to take complete ownership of VF feet-on-streetperformance
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Abilityto engage with customers & dealers, Plan & executeMarketing and Sales promotion activities
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Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is an advantage. Hasgood verbal fluency and uses simple, clear and purposefullanguage.
BehavioralSkills
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Soundunderstanding of loan products
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Shouldpossess Training Skills
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Willingnessto travel & relocation as per business requirements andcareer opportunities
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Managingcustomer & dealer relations
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Performanceoriented
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Teamplayer and fast learner
Competencies
KEYINTERACTIONS
INTERNAL
EXTERNAL
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Productand Marketing Team
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RegionalOperations, Credit
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Audit,Vigilance and FCU team
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RO-BC,Cluster Manager, Area Manager & RSM
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Dealermanagers & owners
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CompetitorCounterparts
