Relationship Officer – Autos (RO Autos)

Job Purpose/Summary

Responsible for acquiring customers and generating auto finance business by marketing and selling vehicle financing solutions to individual consumers. The role involves developing customer and dealer relationships, facilitating financing applications, assessing repayment capacity, and managing portfolio quality to achieve assigned business targets in accordance with the Bank’s policies.

Job Responsibilities

• Identify and acquire customers seeking vehicle financing to achieve assigned sales and disbursement targets.
• Develop and maintain relationships with auto dealers, vehicle sellers, and prospective customers to generate business leads.
• Explain auto finance products, eligibility criteria, financing terms, and repayment schedules to customers.
• Collect, verify, and process customer applications and supporting documents in line with the Bank’s policies.
• Assess customers’ income, creditworthiness, and repayment capacity, highlighting potential risks for review.
• Coordinate with relevant departments to obtain necessary approvals and facilitate timely disbursement.
• Ensure completion of all documentation, verification, and pre-disbursement formalities.
• Monitor the assigned portfolio, follow up on overdue installments, and coordinate with Recovery for timely collections.
• Maintain accurate sales, application, disbursement, and portfolio reports.
• Ensure compliance with the Bank’s policies, KYC/AML requirements, internal controls, and applicable regulations.
• Support deposit mobilization and cross-selling of relevant banking products, where applicable.
• Perform any other duties assigned by the line manager.

Skills and Competencies

• Strong sales, business development, and customer acquisition skills.
• Excellent communication, negotiation, and relationship management abilities.
• Understanding of auto finance, consumer lending, and credit assessment.
• Ability to achieve targets and work effectively under pressure.
• Strong analytical, problem-solving, and documentation skills.
• Customer-focused approach with high standards of integrity and compliance.

Education and Experience

• Bachelor’s degree in Business Administration, Commerce, Finance, or a related discipline.
• 2–4 years of relevant banking experience, preferably in auto finance, consumer lending, or retail banking sales.
• Experience in dealer networking, customer acquisition, and financing documentation will be an advantage.

Location

Layyah, Peshawar, Lalamusa, Gujranwala, and Pattoki.