Sales officer - Rural Banking(New)

Job description

Theincumbent will be primarily responsible to - • Acquirenew customers for liabilities from open market • Assistthe CRS - unsecured loans for conversion of existing borrowingcustomers 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 FINANCIALSIZE NON-FINANCIALSIZE • Managingthe Liability Book of the branch (Open Market CA SA TD) ??Approximately 2.5 Cr • LiabilitiesCustomers handling • Numberof portfolio products- CASA, TD KEYDUTIES & 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 • Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services • Reducecustomer dormancy and customer attrition by continuous engagement/ interaction • Resolvesthe customer queries on various accounts, FD / RD, remittances &third party product InternalProcesses • Guidethe customer to fill the ??Account Opening Form??;ensure receipt and verification of KYC documents; obtain customersignatures 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 1. MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications • Graduate,preferably in commerce and related streams Experience • yearexperience, preferably in sales Certifications • AMFI/ IRDA Certified FunctionalSkills • Basicknowledge on retail banking products • Documentationskills • Processcompliance focus • Communicationskills: fluent in the local language BehavioralSkills • Courteouscustomer service skills • TimeManagement • Sellingskills • Telephoniccold calling skills • Willingnessto travel & relocation as per business requirements andcareer opportunities Competencies • Planning& Organizing • DrivingExecution • ManagingRelationships • CustomerFocus KEYINTERACTIONS INTERNAL EXTERNAL • BranchTeam ?? Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team • RegionalProduct & Marketing team • StateHR • BCAgents