Sales Associate LAP

AU SMALL FINANCE BANK; Banswara; On-site; INR 250,000 - 450,000; Full time

Job summary

AU Small Finance Bank Limited invites applications for Sales Associate MBL. The role focuses on generating fresh business and servicing existing clients, with primary duties spanning field sales, onboarding, and portfolio management in a BFSI setting.

Expect active customer interaction, verification visits, and collaboration with collections to maintain healthy portfolios. Strong communication and a proactive approach are essential for success in this position.

Qualifications

• Excellent communication and interpersonal skills.
• Ability to work in BFSI sales and field roles.
• Capable of handling customer onboarding and credit related processes.

Responsibilities

• Achieve targets for sales and regular collection.
• Conduct marketing activities and identify new sources of business.
• Handle customer queries and build relationships to strengthen brand value.
• Coordinate with operations for onboarding and servicing.
• Visit customers for the first FI and verification, and accompany seniors on visits.
• Prepare CAM and collect references from local market.
• Maintain portfolio, reduce delinquency and ensure timely disbursements.

Skills

Professional Communication

Relationship Management

Sales Forecasting

Job description

Group Company: AU Small Finance Bank Limited

Designation: Sales Associate MBL

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

• 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:
  • Physical fitness
  • Mental agility
  • Ability to do extensive field travel/work
  • Ability to handle work pressure and demanding clients
• Other:
  • Valid Two-Wheeler Driving License
  • Personal 2-wheeler
  • Own Smartphone
  • track record of past employment
  • 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.