Analyst, Relationship Manager, Credit Program Small, Small Medium Enterprises

To acquire, manage, and grow dealer relationships by providing working capital and inventory financing solutions to automobile, tractor, commercial vehicle, two-wheeler, and equipment dealers, while ensuring portfolio quality and compliance.

• Source and onboard in the targeted ecosystem new automobile dealer CV / PV / STEEL dealers for dealer finance facilities.
• Build strong relationships with OEMs, distributors, and dealer principals.
• Achieve disbursement, revenue, and AUM targets as per business plan.
• Identify cross-sell opportunities (CASA, insurance, working capital , etc.).

• Act as the primary point of contact for assigned dealer portfolio.
• Maintain long-term relationships to ensure repeat business and portfolio growth.
• Address dealer queries related to limits, drawdowns, repayments, and documentation.

• Collect and verify KYC, financials, stock statements, and other credit documents.
• Prepare credit proposals and coordinate with credit, operations, and legal teams.
• Ensure timely renewal, enhancement, and review of limits.
• Monitor inventory funding, stock audits, and utilization of limits.

• Monitor dealer account performance and early warning signals.
• Ensure timely collections, overdue follow-ups, and delinquency control.
• Adhere to credit policies, compliance norms, and audit requirements.
• Maintain portfolio quality within prescribed delinquency levels.

• Track local market trends, OEM schemes, dealer sales cycles, and competition.
• Provide feedback on product features, pricing, and process improvements.

• NTB Disbursement & AUM growth
• Number of new dealer acquisitions
• Portfolio quality (DPD / NPA levels)
• Yield & fee income
• Renewal & retention ratio

• Graduate in any discipline (MBA preferred)

• Necessary experience minimum 5 yrs in Dealer Finance / Auto Loans / SME Lending
• Prior experience with banks / NBFCs preferred
• Graduate in any discipline (MBA preferred)
• Track local market trends, OEM schemes, dealer sales cycles, and competition.
• Knowledge of OEM-dealer ecosystem
• Experience handling automobile, CV, PV, STEEL dealer portfolios
• Local market knowledge and dealer network

• Strong relationship management and negotiation skills
• Understanding of dealer finance products and inventory funding
• Credit appraisal and financial analysis skills
• Knowledge of OEM-dealer ecosystem
• Good communication and coordination abilities

• Experience handling automobile, CV, PV, STEEL dealer portfolios
• Exposure to stock audits, dealer renewals
• Local market knowledge and dealer network

Jaipur

Relationship Management

Regular

Full time