The Relationship Manager (RM) New & Used Car Loans is responsible for sourcing, developing, and managing business for auto loans through dealer tie-ups, direct customers, and channel partners. The role involves achieving loan disbursement targets, maintaining strong dealer relationships, and ensuring portfolio quality while delivering excellent customer service.

Key Responsibilities:

Business Development & Sales:

Source new business for New Car Loans and Used Car Loans through dealers, DSA, and direct channels

Achieve monthly and annual disbursement targets

Identify and onboard new car dealers, used car dealers, and channel partners

Conduct market mapping and competitor analysis to enhance business growth

Generate leads through field visits, references, and promotional activities

Relationship Management:

Build and maintain strong relationships with automobile dealers and channel partners

Ensure high levels of customer satisfaction and retention

Regular visits to dealer showrooms for business development and support

Resolve dealer and customer queries in a timely manner

Credit & Documentation:

Collect and verify customer documents as per policy

Coordinate with credit and operations team for file processing and approvals

Ensure proper KYC, login, and documentation compliance

Maintain TAT for loan processing and disbursement

Portfolio & Risk Management:

Monitor loan portfolio quality and delinquency levels

Follow up for collections in coordination with the collections team (if required)

Ensure adherence to company credit and risk policies

Reporting & MIS:

Maintain daily sales reports, lead tracker, and pipeline updates

Submit periodic MIS and performance reports to management

Track conversion ratios and improve sourcing efficiency

Key Performance Indicators (KPIs):

Loan disbursement volume (New & Used Car Loans)

Dealer acquisition and activation

Lead conversion ratio

Portfolio quality (DPD & delinquency)

Cross-selling of insurance and other loan products

Required Qualifications:

Graduate / Postgraduate in any discipline (MBA preferred)

Minimum 2–6 years of experience in Auto Loans / Vehicle Loans / NBFC / Banking

Experience in New Car Loans and Used Car Loans is mandatory

Required Skills & Competencies:

Strong sales and negotiation skills

Excellent communication and interpersonal skills

Dealer relationship management

Knowledge of auto loan products and market dynamics

Ability to work in field sales environment

Target-oriented and result-driven

Preferred Candidate Profile:

Prior experience in NBFC/Bank handling Auto Loans

Strong dealer network in the local market

Willingness to travel extensively for field sales