Sales Officer Home Loan

AU Small Finance Bank; Chamba; On-site; INR 250,000 - 420,000; Full time

Job summary

AU Small Finance Bank in Himachal Pradesh seeks an Executive/Officer to handle delinquent accounts and bucket collections, aligning with pricing and product strategies. You will generate qualified leads through OEM outlets, used-vehicle dealers, and referrals while achieving defined volume and value targets.

The role requires extensive field travel to manage channels and ensure timely documentation and credit actions.

Qualifications

• Industry: BFSI; Role: Executive/Officer.
• Willingness to travel extensively (field work).
• Strong relationship building with dealers and partners.
• Comfort with documenting and data collection for credit or collections.

Responsibilities

• Handle delinquent accounts and manage bucket collections.
• Meet monthly, quarterly, annual targets per metrics.
• Identify and pursue business opportunities in the market.
• Generate leads via OEM exchanges, dealers, and referrals.
• Assess customer profiles, collect docs, and recommend credit proposals.
• Maintain empanelment of sourcing channels and service levels.
• Convert new and existing customers to generate sales.
• Monitor post-disbursement documents and deferrals to reduce risk.
• Asset verification and tracking early defaults for action.
• Deliver timely customer service and foster client relationships.

Skills

Ownership & accountability

Customer-centric mindset

Digital business apps

Detail orientation

Eager to learn

Integrity

Bias for action

Tools

CRM

Digital banking apps

Job description

Position description:

Handling delinquent accounts, managing bucket-collections as per line of business

Primary Responsibilities:

• 1. Understand and align with the companys core business philosophy, methodology, and product-pricing strategy.
• 2. Identify and assess potential business opportunities within the designated market.
• 3. Generate qualified business leads through various sourcing channels such as OEM exchange outlets, used vehicle dealers, commercial associates, and referrals.
• 4. Achieve monthly, quarterly, and annual volume and value targets as per defined performance metrics.
• 5. Assess customer profiles, collect and validate documentation, and recommend proposals for credit approval.
• 6. Ensure the empanelment and regular servicing of sourcing channels to maintain a steady flow of business.
• 7. Prospect and convert both new and existing customers to generate incremental sales.
• 8. Maintain and manage relationships with all sourcing channels to sustain business generation.
• 9. Ensure timely collection of post-disbursement documents and monitor deferrals to minimize operational risks.
• 10. Responsible for collections during the initial six months from self-sourced customers to ensure healthy portfolio performance.
• 11. Conduct asset verification and track early default or non-starter cases for appropriate action.
• 12. Meet individual business thresholds and targets consistently on a monthly basis.
• 13. Deliver timely and efficient customer service, fostering strong relationships to promote repeat and referral business.

Additional Responsibilities:

• 1. Execute the company's product and pricing strategy effectively in day-to-day operations.
• 2. Build and maintain strong relationships with sourcing partners including dealers, commercial associates, and referral agents.
• 3. Provide prompt and professional responses to customer service requests and ensure high levels of customer satisfaction.
• 4. Act as a brand ambassador by promoting the companys values and maintaining a professional presence in the market.
• 5. Ensure all customer interactions and documentation are handled in compliance with internal policies and regulatory requirements.
• 6. Monitor and report any deviations in the onboarding process, documentation gaps, or operational risks to the appropriate teams.
• 7. Support internal audits, compliance reviews, and asset verification activities as required.
• 8. Gather market intelligence and share feedback with relevant teams to help refine products, pricing, and sourcing strategies.
• 9. Promote ethical sales practices and contribute to a healthy and collaborative team culture.
• 10. Maintain accurate records of interactions, leads, and closures in the companys CRM or reporting systems.

Required work experience

• Industry: BFSI
• Role: Executive/Officer

Key Performance Indicators

• Business Volume
• Lead Conversion Rate
• Channel Productivity
• Customer Acquisition Cost
• Portfolio Quality
• Collection Efficiency
• Asset Verification Accuracy
• Documentation Compliance
• Customer Satisfaction Score
• Channel Engagement Score
• CRM Compliance
• Referral Repeat Business 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. Product/domain knowledge
• 2. Familiarity with Digital applications
• 3. Target Market Knowledge - Local Area geography familiarity
• 4. Ability to do 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. Business tact Negotiations - resolving Conflict

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

Work Environment Details

Work Environment Details: 90% - Field, 10% - Office

Specific requirements

• Travel: High
• Vehicle: 2-wheeler
• Work Permit:

Other details

• 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. Share timely customer feedback with sourcing channels.5. Submit Daily Call Report (DCR) by end of day.

Disclaimer: This job posting and Location has been aggregated from external source. Role details, content, and availability are subject to change. Applicants are advised to confirm the latest information directly on the company website before applying.