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