Team Leader - Vehicle Finance

DEPARTMENT - VehicleFinance

REPORTSTO - ClusterManager-Vehicle Finance

REPORTINGINTO - RelationshipOfficer-BC

ROLE PURPOSE & OBJECTIVE

• 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]
• Buildefficient team of Relationship officers/Business Correspondentsin the clusters assigned
• Overallresponsible for the control and recovery of loans in his/hercatchment through follow-ups & co-ordination with Collections
• Managerelationship with dealer counters and give inputs forstrengthening the relationship

SIZE OF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• Expectedto drive a minimum business volume of Rs.30 lakh and abovemonthly business

• Managingmultiple dealer counters
• Managinga team size of 4-10 RO-BC
• Managinghiring and placement of Relationship Officers at requireddealerships

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/Financials

• Managea team of 4-10 RO-BCs
• Responsiblefor placing manpower at dealer counters as per businessopportunity
• Drivebusiness from dealerships through RO-BC. Setting updaily/weekly/monthly targets of RO-BC and ensure same is achieved
• EnsureRO-BC are productive as per the defined benchmark productivitymatrix and help them achieve their variable pay slabs
• Ensureefficient staffing by timely recruitment & training of ROs
• Driveadditional business from alternate channels [referral channel,phone banking leads & pre-qualified leads]
• Managedealer relationship by close interaction with dealerships throughregular visits

Customer(Both Internal & External)

• Ensuretraining of RO-BC for educating the customers about timelyrepayments
• ConductCPV on sample basis to understand the gaps in sourcing andsuggest improvements.
• Ensureall dealers are onboarded on time and payouts are made on time

InternalProcess

• Drivecollection of initial EMIs [for 4MOB cases] through the RO-BCs toensure better portfolio health
• Ensureresolution of non-starters within 15thof the month and drive collection of outstanding charges
• Ensurethat all disbursed physical files [PDD] are to be submitted toOperations and queries [if any] are resolved within 30 days
• 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

• Ensurethat all reportees [RO-BC] in his team are up to date on allrelevant guidelines and all products/services offered in the Bank
• Evaluatethe staff competences in terms of productivity
• Ensureadherence to training man-days/ mandatory training programs forself and reportees
• Monitorperformance of ROs against defined goals/metrics and takecorrective action wherever required

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate

Experience(Years and Core Experience Type)

• Minimum 2-3 years in sales and documentation of VF Loans, in anNBFC/Bank/HFC/SFB
• Experiencein managing team of feet-on-street is preferred

Certifications

• Relevantcertifications shall be an added advantage

FunctionalSkills

• Abilityto manage team of off-roll and drive sales performance. Will berequired to take complete ownership of VF feet-on-streetperformance
• Abilityto engage with customers & dealers, Plan & executeMarketing and Sales promotion activities
• 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

• Soundunderstanding of loan products
• Shouldpossess Training Skills
• Willingnessto travel & relocation as per business requirements andcareer opportunities
• Managingcustomer & dealer relations
• Performanceoriented
• Teamplayer and fast learner

Competencies

• Adequateknowledge of tools like MS Office is preferred
• Competentto handle MIS systems and Lending Software

KEYINTERACTIONS

INTERNAL

EXTERNAL

• Productand Marketing Team
• RegionalOperations, Credit
• Audit,Vigilance and FCU team
• RO-BC,Cluster Manager, Area Manager & RSM

• Dealermanagers & owners
• CompetitorCounterparts.