Website:
bharattoyota.com
Job details:
Job Purpose
To facilitate and manage vehicle finance requirements for customers by coordinating with banks and financial institutions, ensuring accurate documentation, timely loan approvals and disbursements, and delivering a smooth finance experience while supporting dealership sales targets.
Key Responsibilities
1. Customer Finance
- Understand customer financial requirements and explain suitable vehicle finance options.
- Explain loan amount, tenure, EMI, interest rates, processing charges and other applicable terms.
- Generate finance leads from showroom enquiries and vehicle bookings.
- Coordinate with customers throughout the loan application and approval process.
- Ensure a high level of customer satisfaction and transparent communication.
2. Loan Processing & Documentation
- Collect and verify KYC, income and other required documents from customers.
- Prepare and submit loan applications to approved banks/finance partners.
- Coordinate with finance institutions for login, credit assessment, sanction and disbursement.
- Follow up on pending documents, queries, approvals and disbursements.
- Ensure all finance documentation is complete and accurate before vehicle delivery.
3. Finance Partner Coordination
- Maintain strong working relationships with banks, NBFCs and Toyota finance partners.
- Obtain competitive finance schemes and communicate applicable offers to the Sales Team.
- Track daily finance applications, sanctions, cancellations and disbursements.
- Resolve finance-related issues and escalate delays to the Retail Finance Manager.
4. Sales Support
- Work closely with Sales Consultants and Sales Managers to convert finance customers.
- Provide finance quotations and EMI calculations to prospective customers.
- Support the Sales Team in achieving finance penetration and related targets.
- Identify opportunities for financing insurance, accessories, extended warranty and other eligible value-added products.
5. MIS & Reporting
- Maintain daily finance lead and application trackers.
- Prepare reports on:
- Finance penetration
- Loan applications
- Sanctions
- Disbursements
- Pending cases
- Rejections/cancellations
- Finance partner-wise performance
- Ensure timely submission of daily/weekly/monthly reports to management.
6. Compliance & Customer Data
- Ensure customer documents and personal information are handled confidentially.
- Follow dealership, finance partner and applicable regulatory requirements.
- Ensure that customers receive clear and accurate information before submitting finance applications.
- Maintain proper records for audit and verification purposes.
Key Performance Indicators (KPIs)
- Finance Penetration %
- Number of Finance Leads Generated
- Loan Approval / Conversion Rate
- Disbursement Value
- Average Turnaround Time for Loan Processing
- Pending Cases
- Finance Partner-wise Business
- Cancellation / Rejection Ratio
- Customer Satisfaction
- Achievement of Monthly Finance Targets
Candidate Profile
Education: Graduate in Commerce, Finance, Business Administration or equivalent.
Experience: 1–3 years of experience in automobile dealership finance, banking, NBFC, retail lending or vehicle finance preferred.
Preferred Experience:
- Automobile dealership / Retail Finance
- Bank or NBFC vehicle loans
- Customer relationship management
- Loan documentation and processing
Skills Required
- Good knowledge of vehicle finance and retail lending
- Good communication and customer-handling skills
- Strong follow-up and coordination skills
- Basic knowledge of MS Excel and MS Office
- Numerical and analytical ability
- Documentation and record-management skills
- Ability to work with multiple banks/NBFCs
- Target-oriented approach
- High level of integrity and attention to detail
Key Competencies
Customer Focus | Finance Knowledge | Sales Orientation | Negotiation | Follow-up | Coordination | Accuracy | Integrity | Time Management | Teamwork
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