1. Loan Onboarding:

o      Collect, verify, and assess all required customer and guarantor documents in line with company policies.

o      Coordinate with Credit Approval & Disbursement team for timely loan processing and disbursement.

o      Educating customers about paying EMIs digitally to increase the ratio of digital payments during customer visit.

2. Recovery:

o      Ensure timely recovery of loan installments from all delinquent customers via calls & field visits to customer or guarantor.

o      Analyze loan data to identify trends and potential risks in the loan portfolio.

o      Ensure to keep remarks of all customer follow ups in the system.

o      Ensure high collection efficiency and minimize roll-forward to higher delinquency buckets.

o      Maintain the change in Loan Loss Provision to less than 10% quarterly.

o      Work closely with Recovery department for vehicle repossession if needed.

o      Upload repayment warning letter issued to customer in system.

3. Customer Visit:

o      Conduct field visits & investigations for all customers to assess customer background and vehicle details as per company's internal policies.

o      Ensure geo-tagging is done for each customer in the LOS to ease the recovery process.

4. Documentation:

o      Maintain proper filing and documentation for all loan accounts with all documents like KYC, Application Form, Repayment Schedule, Offer Letters, Money Receipt, Quotation, Down Payment Allocation memo, Identification Document, Insurance document, Guarantor details, etc.

o      Fill up legal deed & file extra key to the customer's file before sending to filing department.

o      Ensure to upload VAT bill & bluebook in LOS.

o      Handover complete & accurate file to concerned department for storage in a systematic and secure manner after disbursement.

5. Dealer & Customer Management:

o      Act as single point of contact for assigned dealers.

o      Provide financing & system related training and updates to dealer sales teams.

o      Ensure high customer satisfaction and grievance resolution.

o      Ensure dealer's performance related to financing procedures, customer orientation & payment methods are as per the set standards & suggest corrective action where needed.

o      Ensuring quick, efficient, and customer-focused service in terms of insurance claims.

6. Compliance & Others:

o      Ensure strict adherence to company policies, guidelines, pricing structures, and regulatory requirements.

o      Attend Exchange Melas & other activation campaigns & onboard loans when required.

o      Other ad-hoc duties as provided by the management.

Note: The duties will not be limited to ones mentioned above & might change from time-to-time as communicated by the management.