Bank Officer Business Account

Au Small Finance Bank Ltd.; Patiala District; On-site; INR 400,000 - 650,000; Full time

Job summary

AU Small Finance Bank Ltd. is hiring a Bank Officer Business Account to meet sales targets and grow our Patiala branch. You will acquire CASA and liability accounts, drive cross-selling of banking products, and promote third-party financial products.

You will ensure timely onboarding and build a strong customer base through field and office activities. Your role requires strong communication, relationship skills, and the ability to travel as needed to expand the customer footprint while

Qualifications

• 0 to 3 years of experience in banking or financial services.
• Ability to acquire new accounts and deepen customer relationships.
• Knowledge of banking products and cross-selling strategies.

Responsibilities

• Acquire CASA and liability accounts through various channels.
• Drive cross-selling of banking products to customers.
• Promote third-party financial products including insurance and mutual funds.
• Achieve monthly and quarterly sales targets as per scorecard.
• Ensure onboarding and deepening of customer relationships.

Skills

Professional Communication

Relationship Management

Sales Forecasting

Education

Bachelor's degree in Banking/Finance

Tools

Digital banking apps

Job description

Group Company: AU Small Finance Bank Limited

Designation: Bank Officer Business Account

Office Location: Sirhind road Patiala

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

Primary Responsibilities:

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

Additional Responsibilities:

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

Reporting Team

• Reporting Designation:
• Reporting Department:
• 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 Certification/s:

Required Training/s:

Required work experience

• 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 results2. Customer-centric mindset and actions3. adept at handling digital business apps and software4. hard work and detail-orientation5. eager to learn and grow as a banking professional6. positive mindset, ethical and high integrity7. Bias for Action and Urgency

Required Knowledge: 1. Aptitude for lead generation2. Target Market Knowledge - Local Area geography familiarity3. Familiarity with Digital applications5. Detailed data collection/recording

Required Skills: 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken2. Relationship Management - Client-Centric Approach, respectful3. Sales Forecasting & Reporting

Required abilities

• Physical: 1. Physical fitness2. Mental agility3. Ability to do extensive field travel/work4. Ability to handle work pressure and demanding clients
• Other: 1. Valid Two-Wheeler Driving License2. Personal 2-wheeler3. Own Smartphone4. track record of past employment5. Positive reference check and clear civil report

Specific requirements

• Travel: High
• Vehicle: 2-wheeler
• Pay Rate:
• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related: 1. Aherence to Code of Conduct policy of the bank2. Non-disclosure of confidential information about bank, clients3. 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.