Relationship Manager - Tractor Loan

About the Role

The Relationship Manager for Tractor Loans plays a pivotal role in attracting and overseeing customers pursuing tractor financing. This position entails collaborating closely with product teams, operations, and dealerships to enhance customer acquisition and maintain a robust portfolio. Managing dealership clients and contributing to the branch’s banking objectives are core facets of this role.

Key Responsibilities

• Identify and onboard new tractor loan customers by performing credit evaluations and providing comprehensive financial solutions.
• Engage consistently with existing clients, informing them about interest rate changes and new product options.
• Enroll new dealers, Direct Selling Agents (DSAs), and Direct Sales Teams (DSTs) to expand market reach.
• Develop dealership business leads through referrals, promotional efforts, and direct customer engagement.
• Lead training sessions on policy guidelines for internal teams to ensure product knowledge alignment.
• Address customer inquiries proactively to maintain satisfaction.
• Oversee channel and team productivity to ensure quality sourcing and portfolio health.
• Analyze competitors’ products and strategies to support growth initiatives.
• Suggest enhancements in processes aimed at improving service delivery and quality within the branch network.
• Organize and implement sales promotions and marketing campaigns to boost business expansion.
• Collaborate with diverse business units to uncover cross-selling opportunities.
• Collect and incorporate feedback from customers and channels to fine-tune growth approaches.

Requirements

• Graduation in any discipline such as BA, BCom, BBA, BSc, BTech, or BE.
• Minimum of 3 years’ experience in branch banking, particularly in rural lending or tractor finance.
• In-depth knowledge of tractor loan products and understanding of rural customers’ requirements.
• Demonstrated success in acquiring customers and managing dealership relationships.
• Strong communication, negotiation, and interpersonal abilities.
• Analytical skills to evaluate market conditions and competitor tactics.
• Experience managing sales channels and dealer networks.
• Leadership qualities with capability to mentor team members.
• Integrity and compliance-focused mindset.
• Strategic thinker with efficient execution skills.