Business Development Executive

Job description

GRADE - AM-I DEPARTMENT - Branch Banking REPORTS TO - BranchSales Manager - Branch Banking ROLE PURPOSE & OBJECTIVE Theincumbent will be primarily responsible to - • Acquirenew customers for liabilities from open market • Assistthe CRS - unsecured loans for conversion of existing borrowing customers for liabilities • Enhancethe relationship with the existing customers by cross-sellingproducts and services as per the profile & need of thecustomers • Train/assistcustomers to use ATM and BCs; drive usage of alternate channels SIZEOF THE ROLE FINANCIALSIZE NON-FINANCIALSIZE • Targetassigned as per the branch • CASABook as per the branch • TDBook as per the branch • Segmentwise book (NR, Senior Citizen, HNI etc) as per the branch • Numbertarget for all the respective products. • CA • SA • TD KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business • Meetthe set targets on liabilities in terms of open marketacquisition & existing customer conversion • Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels: • Leadsgenerated by branch staff and personal leads • Referralsgenerated from existing customers • Alternatechannels • Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter • AccompanyCRS-Unsecured loans on the field for actively driving conversionof existing borrowing customers into liabilities customer • Crosssell other secured loan products of Ujjivan and pass qualityleads to respective loan officers • Sharecustomer insights/product related feedback with the Sales Manager- Liabilities Customers • Interact with customers in a courteous and professional manner; provideprompt, efficient and accurate services • Reduce customer dormancy and customer attrition by continuous engagement/ interaction • Resolvesthe customer queries on various accounts, FD / RD, remittances &third party product Internal Processes • Guidethe customer to fill the Account Opening Form;ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents • Strictlyadhere & maintain compliance to KYC norms • Drivethe usage of alternate channels such as ATMs, BCs and assistcustomers to use ATMs for dispensing cash Learning& Performance • Maintainup to date knowledge of the liabilities products and services aswell as a working knowledge of other products offered in thebranch • Resolvequeries raised by CRS-unsecured loans w.r.t liability productsand support them in selling liabilities • Ensureadherence to training man-days/ mandatory training programs forself • Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate,preferably in commerce and related streams Experience 1year experience, preferably in sales Certifications • AMFI/ IRDA Certified Functional Skills • Basic knowledge on retail banking products • Documentation skills • Process compliance focus • Communication skills: fluent in the local language Behavioral Skills • Courteous customer service skills • TimeManagement • Sellingskills • Telephoniccold calling skills • Willingnessto travel & relocation as per business requirements andcareer opportunities Competencies • Planning& Organizing • DrivingExecution • ManagingRelationships • CustomerFocus KEY INTERACTIONS INTERNAL EXTERNAL • BranchTeam Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team • RegionalProduct & Marketing team • StateHR • BCAgents Location - Kothamangalam,Bengaluru,Nagar,Ramanujnagar,Rajanagaram,Peenya,Maddur,Yelahanka,Chikkaballapura,Dharwad,Belgaum,Haveri,Davangere,Tumakuru,Tumkur,Chitradurga,Shimoga,Bhadravati,Tiptur,Gadag,Chintamani,Challakere,Bailhongal,Vasco Da Gama,Mysuru,Tiruchirapalli,Hosakote,Bannerghatta,Nelamangala,Mapusa,Puttur,Mangaluru,Udupi,Medchal,Malkajgiri,Thrissur,Kalburagi,Hassan,Hospet,Magadi,Ballari,Bijapur,Sira,Jamkhandi