Sales Associate LAP

AU SMALL FINANCE BANK; Washim; On-site; INR 180,000 - 240,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Sales Associate MBL to drive new business and service existing clients. You will conduct field visits, verify documents, coordinate with operations, and build a strong customer base in the local market.

The role requires extensive field work (90%) with occasional office tasks. You will be expected to achieve targets, manage portfolios, and ensure timely collections while maintaining compliance with bank policies.

Qualifications

• Strong communication and regional language proficiency.
• Ability to maintain client relationships and handle inquiries.
• Experience in sales forecasting and reporting processes.

Responsibilities

• Achieve assigned sales targets and manage collections.
• Conduct marketing activities and identify new sources of business.
• Handle customer queries and build strong customer relationships.

Skills

Professional Communication

Relationship Management

Sales Forecasting & Reporting

Job description

Group Company

AU Small Finance Bank Limited

Designation

Sales Associate MBL

Office Location

Position description

Generate fresh Business and service existing clients

Primary Responsibilities

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

Additional Responsibilities

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

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational Qualifications Preferred

• 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, Average Ticket size, Boarding rate

Required Competencies

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

Aptitude for lead generation 2. Target Market Knowledge - Local Area geography familiarity 3. Familiarity with Digital applications 5. Detailed data collection/recording

Required Skills

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.
• Union Affiliation: