Relationship Officer – Autos (RO Autos)

The Relationship Officer – Autos (RO Autos) is responsible for acquiring customers and driving auto finance business by marketing and selling vehicle financing solutions to individual consumers. This role focuses on building strong relationships with customers and auto dealers, facilitating financing applications, assessing repayment capacity, and managing portfolio quality. The objective is to meet assigned business targets while adhering to the Bank’s policies and regulatory requirements.

Key Responsibilities

- Identify and acquire customers seeking vehicle financing to meet 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 clearly to customers.
- Collect, verify, and process customer applications and supporting documents in compliance with the Bank’s policies.
- Assess customers’ income, creditworthiness, and repayment capacity, highlighting any potential risks for further review.
- Coordinate with relevant departments to secure necessary approvals and ensure timely disbursement of funds.
- Complete all documentation, verification, and pre-disbursement formalities accurately.
- Monitor the assigned portfolio, follow up on overdue installments, and collaborate with the Recovery team to ensure timely collections.
- Maintain accurate records of sales, applications, disbursements, and portfolio status.
- Ensure strict compliance with the Bank’s policies, KYC/AML requirements, internal controls, and applicable regulations.
- Support deposit mobilization and cross-sell relevant banking products when applicable.
- Perform any additional duties as assigned by the line manager.

Required Qualifications

- Bachelor’s degree in Business Administration, Commerce, Finance, or a related field.
- 2 to 4 years of relevant experience in banking, preferably in auto finance, consumer lending, or retail banking sales.
- Proven skills in dealer networking, customer acquisition, and financing documentation are advantageous.
- Strong sales and business development capabilities with a customer-focused approach.
- Excellent communication, negotiation, and relationship management skills.
- Solid understanding of auto finance products, consumer lending processes, and credit assessment.
- Ability to work under pressure and consistently achieve targets.
- Strong analytical, problem-solving, and documentation skills.
- High integrity and commitment to compliance and regulatory standards.

Preferred Qualifications and Benefits

Experience in dealer networking and financing documentation will be considered a plus. The role offers the opportunity to work in multiple locations including Layyah, Peshawar, Lalamusa, Gujranwala, and Pattoki, providing exposure to diverse markets and customer segments. This position supports career growth within the banking sector, particularly in retail and auto finance domains.

This role is ideal for professionals seeking to leverage their sales and credit assessment skills in a dynamic environment while contributing to the growth of the Bank’s auto finance portfolio.