Deputy Relationship Manager LAP

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

Job summary

AU Small Finance Bank Limited in Avadi, Thiruvallur, Tamil Nadu invites applications for Deputy Relationship Manager MBL. The role focuses on generating fresh business and servicing existing clients through proactive field outreach.

You will drive sales, conduct marketing activities, handle customer queries, and coordinate with operations to onboard and service customers. Local market knowledge and BFSI experience are valued.

Qualifications

• Experience in BFSI sales or customer service is required.
• Familiarity with digital banking apps and software.
• Ability to generate leads and manage a local market.

Responsibilities

• Achieve assigned sales targets and handle collections.
• Conduct marketing activities and leafleting to source business.
• Handle customer queries and build client relationships.
• Co-ordinate with operations for onboarding and servicing.
• Perform field visits and OSV verification as needed.

Skills

Sales & Relationship Mgmt

Communication skills

Lead generation

Field sales & outreach

Customer service oriented

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Deputy Relationship Manager MBL

Office Location:

AVADI Thiruvallur

Position description:

Generate fresh Business and service existing clients

Primary Responsibilities

• 1. Achieve assigned targets for sales & regular collection 2. Conduct Marketing activities, leafleting , Canopy etc to identify new sources of business 3. Handle customer queries, build up customer relationship and develop brand value in the market 4. Attend customer queries and provide resolution 5. Co-ordinate with Operations & Collection department for customer onboarding and servicing 6. Conduct physical verification of customer's residence, business and any other asset crucial from credit point of view and taking photographs. 7. Follow instructions frm seniors, coordinate with internal teams for getting visit reports done. 8. Visit customers for first FI and meeting, and also accompany seniors to customer's place for visit and verification. 9. Conduct physical verification of credit related documents like ITR, Bank statement, receipts, ledger and property documents - doing OSV ( Original Seen and verified) of documents. 10. Prepare basic CAM ( Credit Appraisal Memo) 11. Take reference check of customers from local market and existing customers. 12. Follow policies & procedure as laid down by the bank. 13. Portfolio Management - visit delinquent cases, collect EMIs of delinquent cases in collaboration with collections team. 14. Maintain and stop early delinquency , Non-starter cases in portfolio, decide the treatment of such cases wisely. 15. Maintain least OTC / PDD pendency and ensure timely clearance of the same. 16. Maintain non-RPDC portfolio - ensure all cases of portfolio are ACH. 17. Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy, 18. Correct the operational errors and get 100% cases repayment in Non-PDC mode. 19. Collect fresh data from open marketing activities for tele calling and self sourcing. 20. Follow leads so generated from data received from telemarketing team 21. Complete documentation, file agreements, formats and other formalities for disbursement of cases 22. Clear queries from credit, Ops, Legal, Valuation etc. 23. Timely submit daily MIS and sourcing data to reporting authority

Additional Responsibilities

• 1. Provide true and fair opinion based on customer's interaction. 2. Clear queries of customers - clarify final ROI, Fees, Charges, and all other terms of the case 3. Do not get involved in any financial/non-financial transaction with the customer 4. 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. 5. 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:
  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.