Junior Bank Officer Branch Banking

AU SMALL FINANCE BANK; Vadodara; On-site; INR 300,000 - 420,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Junior Bank Officer in Branch Banking to drive account acquisition, cross-sell products, and meet defined sales targets. You will manage liabilities, promote third-party products, and ensure timely onboarding for NTB customers, while maintaining strong customer relationships.

The role emphasizes field sales with 90% fieldwork and 10% office work, requiring resilience, driving license, and two-wheeler for travel across the local area.

Qualifications

• Proven ability to communicate clearly in regional language
• Ability to build and maintain relationships with customers
• Experience in sales forecasting and reporting of targets
• Knowledge of KYC/AML guidelines is a plus
• Experience in banking and financial services is preferred

Responsibilities

• Acquire CASA and liability accounts through various channels
• Drive cross-selling of banking products and services
• Promote and sell third-party financial products
• Meet monthly and quarterly sales targets as per scorecard
• Grow customer base and deepen existing relationships

Skills

Professional Communication

Relationship Management

Sales Forecasting

Reporting

Education

BA/BE/BCom/BBA/BSc - Banking related

BEd/BArch/LLB - Banking related

Job description

Group Company: AU Small Finance Bank Limited

Designation: Junior Bank Officer Branch Banking

Office Location:

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:

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 Certification/s

Required Training/s

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
• Work Permit:

Other Details

• Pay Rate:
• 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.
• Union Affiliation: