Relationship Manager - Tractor Loan

Overview

The Relationship Manager for Tractor Loans is tasked with acquiring and managing clients seeking tractor financing, ensuring excellent customer service and maintaining a robust loan portfolio. This role requires partnering closely with product, operations, and dealership teams to accelerate customer acquisition, build deeper engagements, and provide customized financial solutions. Additionally, the role involves managing dealership business clients and supporting branch banking goals.

Primary Responsibilities

• Identify and acquire new customers for tractor loans by performing credit evaluations and delivering comprehensive financial solutions.
• Maintain continuous engagement with current customers through periodic communications, informing them about interest rates and relevant product updates.
• Onboard new dealers, Direct Selling Agents (DSAs), and Direct Sales Teams (DSTs) to expand the market network.
• Drive lead generation for dealership business leveraging referrals, marketing activities, and customer interactions.
• Conduct policy training sessions for internal teams to ensure adherence to product guidelines.
• Address and resolve customer inquiries promptly, maintaining high satisfaction levels.
• Monitor sales channels and team performance to promote quality sourcing and sustain a healthy loan book.
• Analyze competing products and market trends to shape strategic growth initiatives.
• Propose enhancements in processes to improve service quality and operational efficiency throughout the branch network.
• Plan and implement sales promotions and marketing campaigns to stimulate business expansion.

Secondary Responsibilities

• Collaborate with other business units to identify and capitalize on cross-selling opportunities.
• Collect and utilize customer and channel feedback to fine-tune growth strategies.

Required Qualifications and Skills

• Graduation in any field including but not limited to BA, BCom, BBA, BSc, BTech, or BE.
• Minimum of 3 years' experience in branch banking, preferably with a focus on rural lending or tractor finance.
• In-depth knowledge of tractor loan products and rural customer requirements.
• Proven expertise in customer acquisition and managing dealership relationships.
• Strong communication, negotiation, and interpersonal skills.
• Analytical capability to evaluate market trends and competitor behavior.
• Experience overseeing sales channels and dealer networks.
• Leadership skills conducive to mentoring and supporting team members.
• Commitment to integrity, compliance, and ethical standards.
• Strategic thinker with effective execution skills.