Team Leader - Vehicle Finance

DEPARTMENT - Vehicle Finance REPORTSTO - Cluster Manager-Vehicle Finance REPORTING INTO - Relationship Officer-BC ROLE PURPOSE & OBJECTIVE

• Vehicle Finance Loan is a growing business for Ujjivan SFB. The Team Leader - Vehicle Finance Loan is an important position that willdrive this business in the respective clusters through RO-BC[feet-on-street]
• Build efficient team of Relationship officers/Business Correspondent sin the clusters assigned
• Overall responsible for the control and recovery of loans in his/her catchment through follow-ups & co-ordination with Collections
• Manage relationship with dealer counters and give inputs for strengthening the relationship

• Expected to drive a minimum business volume of Rs.30 lakh and above monthly business

• Managing multiple dealer counters
• Managinga team size of 4-10 RO-BC
• Managing hiring and placement of Relationship Officers at required dealerships

• Managea team of 4-10 RO-BCs
• Responsible for placing manpower at dealer counters as per business opportunity
• Drive business from dealerships through RO-BC. Setting updaily/weekly/monthly targets of RO-BC and ensure same is achieved
• Ensure
  
  RO-BC are productive as per the defined benchmark productivity matrix and help them achieve their variable pay slabs
• Ensure efficient staffing by timely recruitment & training of ROs
• Drive additional business from alternate channels [referral channel,phone banking leads & pre-qualified leads]
• Manage dealer relationship by close interaction with dealerships through regular visits

• Ensure training of RO-BC for educating the customers about timely repayments
• Conduct
  
  CPV on sample basis to understand the gaps in sourcing and suggest improvements.
• Ensureall dealers are onboarded on time and payouts are made on time

• Drive collection of initial EMIs [for 4
  
  MOB cases] through the RO-BCs toensure better portfolio health
• Ensure resolution of non-starters within 15thof the month and drive collection of outstanding charges
• Ensure that all disbursed physical files [PDD] are to be submitted to Operations and queries [if any] are resolved within 30 days
• Ensureall delivered vehicles [financed by the bank] are hypothecated to Ujjivan SFB and RC to be submitted within 60 days of disbursement. Drive resolution and closure of RC queries

• Ensure that all reportees [RO-BC] in his team are up to date on all relevant guidelines and all products/services offered in the Bank
• Evaluate the staff competences in terms of productivity
• Ensure adherence to training man-days/ mandatory training programs forself and reportees
• Monitor performance of ROs against defined goals/metrics and take corrective action wherever required

• Graduate

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

• Relevant certifications shall be an added advantage

• Abilityto manage team of off-roll and drive sales performance. Will be required to take complete ownership of VF feet-on-street performance
• Abilityto engage with customers & dealers, Plan & execute
  
  Marketing and Sales promotion activities
• Abilityto speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is an advantage. Hasgood verbal fluency and uses simple, clear and purposeful language.

• Sound understanding of loan products
• Should possess Training Skills
• Willingness to travel & relocation as per business requirements andcareer opportunities
• Managing customer & dealer relations
• Performance oriented
• Teamplayer and fast learner

• Adequate knowledge of tools like MS Office is preferred
• Competent to handle MIS systems and Lending Software

• Product and Marketing Team
• Regional Operations, Credit
• Audit,Vigilance and FCU team
• RO-BC,Cluster Manager, Area Manager & RSM

• Dealer managers & owners
• Competitor Counterparts.