Bank Officer Business Account

AU SMALL FINANCE BANK; Bengaluru; On-site; INR 350,000 - 550,000; Full time

Job summary

AU Small Finance Bank Limited in Bengaluru seeks a Bank Officer – Business Account to drive new account openings and grow the bank's liability base through field sales. You will meet monthly and quarterly sales targets, acquire CASA and liability accounts via multiple channels, and promote third-party products while deepening relationships with customers.

The role requires travel, strong communication in the local language, compliance with KYC/AML, and proactive cross-selling to boost portfolio

Qualifications

• 0–3 years of experience in BFSI sales roles.
• Experience in acquiring CASA and liability accounts preferred.
• Knowledge of KYC and AML guidelines.
• Bachelor's degree in any relevant field.

Responsibilities

• Acquire CASA and liability accounts through multiple channels.
• Drive cross-selling of banking products and services.
• Promote third-party financial products including insurance and mutual funds SIPs.
• Meet monthly and quarterly sales targets.
• Maintain customer relationships and portfolio growth.

Skills

Professional Communication

Relationship Management

Sales Forecasting & Reporting

Education

Bachelor's degree in BASc / BArch / BA / BBA / BCom / BEd / BE / BFA / LLB with Banking & Financial Services

Tools

Digital banking apps

Job description

Group Company: AU Small Finance Bank Limited

Designation

Bank Officer Business Account

Position description

Accountable for meeting sales targets (No. and value) as per the defined scorecard

Primary Responsibilities

• Acquire CASA and liability accounts through cold calling, market references, and walk-ins.
• Drive cross-selling of banking products and services to existing and new customers.
• Promote and sell third-party financial products including life insurance, health insurance, and mutual fund SIPs.
• Achieve monthly and quarterly sales targets as defined in the performance scorecard.
• Ensure growth in customer base and deepening of existing relationships through effective portfolio management.

Additional Responsibilities

• Implement branch-level sales and marketing activities to support overall business growth and brand visibility.
• Drive liability acquisition by building and maintaining strong customer relationships.
• Source new customers through multiple channels including local campaigns, walk-ins, customer referrals, industry associations, and market networking.
• Ensure timely and accurate opening of accounts, providing a seamless onboarding experience for new-to-bank (NTB) customers.
• Support overall branch performance by contributing to both customer service and compliance standards.
• Maintain high levels of customer satisfaction and ensure prompt resolution of queries or issues.
• Ensure adherence to internal processes, audit requirements, and regulatory guidelines.

Educational Qualifications Preferred

• Bachelor of Applied Science - BASc, Bachelor of Architecture - BArch, Bachelor of Arts - BA, Bachelor of Business Administration - BBA, Bachelor of Commerce - BCom, Bachelor of Education - BEd, Bachelor of Engineering - BE, Bachelor of Fine Arts - BFA, Bachelor of Laws - LLB with specialization in Banking and Financial Support services, Banking, corporate, finance and securities law and experience between 0.5 - 3 years
• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

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, Acquisition Targets, Average Ticket Size, Boarding Rate, Lead Conversion Rate, Cross-Sell Ratio, Customer Retention Rate, Referral Generation, Campaign Effectiveness, Onboarding Satisfaction Rate, Account Opening Turnaround Time.

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

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. 4. Ensure adherence to KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines during all customer onboarding and account-opening processes.