Sales Officer Home Loan

AU Small Finance Bank; Modasa; On-site; INR 300,000 - 460,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Sales Officer Home Loan to drive field-based originations in the Modasa region. You will manage delinquent accounts when needed, build dealer and partner relationships, and promote the bank's home loan products through active sourcing and service excellence.

The role requires strong customer communication, on-ground market knowledge, and ability to handle high-volume lead generation and servicing with a focus on compliant, ethical practices.

Qualifications

• Understanding of banking products and pricing strategies.
• Familiarity with digital applications and CRM systems.
• Local market knowledge and ability to collect detailed data.

Responsibilities

• Identify and pursue potential business opportunities within the designated market.
• Generate qualified leads through sourcing channels such as dealers, referrals, and partners.
• Meet monthly, quarterly and annual volume and value targets.
• Assess customer profiles, collect documentation, and propose credit-ready proposals.

Skills

Professional Communication

Relationship Management

Negotiation Skills

Job description

Group Company: AU Small Finance Bank Limited

Designation: Sales Officer Home Loan

Office Location: DHANSURA MODASA ROAD BAYAD Bayad

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
• Years of experience: 0 to 3

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