In this role, your responsibilities will include:
- Achieve sales targets by securing quality auto loans, based on the company's target customer and product mix.
- Build and maintain strong relationships with customers, dealers, and internal teams to generate business leads.
- Collect and review loan applications from dealers, customers, or sales teams, ensuring all required documents meet our credit guidelines.
- Make sure customers give consent for credit bureau checks before proceeding with their applications.
- Interview applicants (by phone or in person) and perform Know Your Customer (KYC), Customer Due Diligence (CDD), or Enhanced CDD for higher-risk cases.
- Verify identification, income, and vehicle documents.
- Enter loan application details into our Auto Credit System (ACS), ensuring accuracy and completeness.
- Ensure Credit Application is created timely to meet targeted Turnaround Time compliance
- Run CTOS checks for:
o All non-individual (e.g., company) applications.
o Individual applications that exceed our credit limits.
o Other cases as required.
- Update dealers daily on the status of loan applications submitted.
- Oversee the issuance of Letters of Undertaking to dealers and follow up on Hire Purchase (HP) agreements and related documents.
- Share the Product Disclosure Sheet (PDS) and explain HP agreements to customers; witness and verify agreement signing.
- Investigate and follow up on delayed approvals or disbursements.
- Prepare proposals for panel dealers and any additional facilities they request.
- Conduct site visits when needed.
- Assist in preparing reports for the Business Manager.
- Perform other duties as assigned by management.
Job Requirements
- Diploma, Higher Diploma, or Degree in Banking, Finance, Business, or a related field.
- Fresh graduates are encouraged to apply. Candidates with up to 1 year of relevant experience are also welcome.
- Strong communication and interpersonal skills to build lasting business relationships with dealers and customers.
- Good attention to detail and willingness to learn.
Why This Role is Great For Fresh Graduates
- You'll gain exposure in both sales and credit operations, giving you well-rounded banking experience.
- You'll work closely with dealers, customers and internal teams – a great way to grow your professional network.
- You'll be part of a fast-paced and dynamic team with opportunities to learn and grow.
Why Join Us
- On-the-job training and guidance from experienced managers
- Exposure to both credit operations and customer engagement
- Career development opportunities in the banking and finance sector
Ready to start your career in auto finance Apply now and be part of a dynamic and supportive team!
