Sales Officer LAP

Job description

Job Summary Group Company: AU Small Finance Bank Limited Designation: Sales Officer MBL Position description: Generate fresh Business and service existing clients Primary Responsibilities • Achieve assigned targets for sales & regular collection • Conduct Marketing activities, leafleting , Canopy etc to identify new sources of business • Handle customer queries, build up customer relationship and develop brand value in the market • Attend customer queries and provide resolution • Co-ordinate with Operations & Collection department for customer onboarding and servicing • Conduct physical verification of customer\\'s residence, business and any other asset crucial from credit point of view and taking photographs. • Follow instructions frm seniors, coordinate with internal teams for getting visit reports done. • Visit customers for first FI and meeting, and also accompany seniors to customer\\'s place for visit and verification. • Conduct physical verification of credit related documents like ITR, Bank statement, receipts, ledger and property documents - doing OSV ( Original Seen and verified) of documents. • Prepare basic CAM ( Credit Appraisal Memo) • Take reference check of customers from local market and existing customers. • Follow policies & procedure as laid down by the bank. • Portfolio Management - visit delinquent cases, collect EMIs of delinquent cases in collaboration with collections team. • Maintain and stop early delinquency , Non-starter cases in portfolio, decide the treatment of such cases wisely. • Maintain least OTC / PDD pendency and ensure timely clearance of the same. • Maintain non-RPDC portfolio - ensure all cases of portfolio are ACH. • Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy, • Correct the operational errors and get 100% cases repayment in Non-PDC mode. • Collect fresh data from open marketing activities for tele calling and self sourcing. • Follow leads so generated from data received from telemarketing team • Complete documentation, file agreements, formats and other formalities for disbursement of cases • Clear queries from credit, Ops, Legal, Valuation etc. • Timely submit daily MIS and sourcing data to reporting authority Additional Responsibilities • Provide true and fair opinion based on customer\\'s interaction. • Clear queries of customers - clarify final ROI, Fees, Charges, and all other terms of the case • Do not get involved in any financial/non-financial transaction with the customer • 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. • Conduct customer reference checks with utmost sincerity and maturity - goodwill of the client should not be hampered - not disclose any financial or personal information of existing / new clients with any ( existing / prospective clients ) or any 3rd party 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 • ownership and accountability for results • Customer-centric mindset and actions • adept at handling digital business apps and software • hard work and detail-orientation • eager to learn and grow as a banking professional • positive mindset, ethical and high integrity • Bias for Action and Urgency Required Knowledge • Aptitude for lead generation • Target Market Knowledge - Local Area geography familiarity • Familiarity with Digital applications • Detailed data collection/recording Required Skills • Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken • Relationship Management - Client-Centric Approach, respectful • Sales Forecasting & Reporting Required Abilities • Physical: Physical fitness • Physical: Mental agility • Physical: Ability to do extensive field travel/work • Physical: Ability to handle work pressure and demanding clients • Other: Valid Two-Wheeler Driving License • Other: Personal 2-wheeler • Other: Own Smartphone • Other: track record of past employment • Other: 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 • 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.