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