Deputy Relationship Manager MBL

Job description

Group Company: AU Small Finance Bank Limited Designation: Deputy Relationship Manager MBL Office Location: Peddapalle Peddapalli Position description: Generate fresh Business and service existing clients Primary Responsibilities: • 1. Achieve assigned targets for sales & regular collection • 2. Conduct Marketing activities, leafleting , Canopy etc to identify new sources of business • 3. Handle customer queries, build up customer relationship and develop brand value in the market • 4. Attend customer queries and provide resolution • 5. Co-ordinate with Operations & Collection department for customer onboarding and servicing • 6. Conduct physical verification of customer\\'s residence, business and any other asset crucial from credit point of view and taking photographs. • 7. Follow instructions frm seniors, coordinate with internal teams for getting visit reports done. • 8. Visit customers for first FI and meeting, and also accompany seniors to customer\\'s place for visit and verification. • 9. Conduct physical verification of credit related documents like ITR, Bank statement, receipts, ledger and property documents - doing OSV ( Original Seen and verified) of documents. • 10. Prepare basic CAM ( Credit Appraisal Memo) • 11. Take reference check of customers from local market and existing customers. • 12. Follow policies & procedure as laid down by the bank. • 13. Portfolio Management - visit delinquent cases, collect EMIs of delinquent cases in collaboration with collections team. • 14. Maintain and stop early delinquency , Non-starter cases in portfolio, decide the treatment of such cases wisely. • 15. Maintain least OTC / PDD pendency and ensure timely clearance of the same. • 16. Maintain non-RPDC portfolio - ensure all cases of portfolio are ACH. • 17. Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy, • 18. Correct the operational errors and get 100% cases repayment in Non-PDC mode. • 19. Collect fresh data from open marketing activities for tele calling and self sourcing. • 20. Follow leads so generated from data received from telemarketing team • 21. Complete documentation, file agreements, formats and other formalities for disbursement of cases • 22. Clear queries from credit, Ops, Legal, Valuation etc. • 23. Timely submit daily MIS and sourcing data to reporting authority Additional Responsibilities: • 1. Provide true and fair opinion based on customer\\'s interaction. • 2. Clear queries of customers - clarify final ROI, Fees, Charges, and all other terms of the case • 3. Do not get involved in any financial/non-financial transaction with the customer • 4. Maintain decency and good behaviour while dealing with the customer, visiting property, especially while taking photos of the house and surroundings with permission of the customer. • 5. Conduct customer reference checks with utmost sincerity and maturity - goodwill of the client should not be harmed - not disclose any financial or personal information of existing / new clients with any ( existing / prospective clients ) or any 3rd party Reporting Team • Reporting Designation: • Reporting Department: Educational qualifications preferred • Category: • Field specialization: • Degree: • Academic score: • Institution tier: Required Certification/s: Required Training/s: Required work experience • Industry: BFSI • Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer • Years of experience: 0 to 3 Key Performance Indicators: Business Volume, Average Ticket size, Boarding rate Required Competencies: 1. ownership and accountability for results 2. Customer-centric mindset and actions 3. adept at handling digital business apps and software 4. hard work and detail-orientation 5. eager to learn and grow as a banking professional 6. positive mindset, ethical and high integrity 7. Bias for Action and Urgency Required Knowledge: 1. Aptitude for lead generation 2. Target Market Knowledge - Local Area geography familiarity 3. Familiarity with Digital applications 5. Detailed data collection/recording Required Skills: 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2. Relationship Management - Client-Centric Approach, respectful 3. Sales Forecasting & Reporting Required abilities • Physical: 1. Physical fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. Ability to handle work pressure and demanding clients • Other: 1. Valid Two-Wheeler Driving License 2. Personal 2-wheeler 3. Own Smartphone 4. track record of past employment 5. Positive reference check and clear civil report Work Environment Details: 90% - Field, 10% - Office Specific requirements • Travel: High • Vehicle: 2-wheeler • Work Permit: Other details • Pay Rate: • Contract Types: Permanent • Time Constraints: Flexibile workhours as per business requirement • Compliance Related: 1. Aherence to Code of Conduct policy of the bank 2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc. • Union Affiliation: