Sales Officer Home Loan

Au Small Finance Bank Ltd.; Pen; On-site; INR 300,000 - 480,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Sales Officer for Home Loans in Pen, Maharashtra. You will drive lending opportunities, verify documents, and coordinate with sourcing channels to meet growth targets.

Responsibilities cover lead generation, credit proposal assessment, channel onboarding, and timely collections. Strong communication, local market knowledge, and ability to travel will be required. This is a permanent full-time role with field work in the local area.

Qualifications

• Experience in sales in the banking sector is preferred.
• Strong verbal and written communication skills in local language.
• Ability to work with field teams and drive targets.

Responsibilities

• Understand and align with the company’s core business philosophy, methodology, and product-pricing strategy.
• Identify and assess potential business opportunities within the designated market.
• Generate qualified business leads through various sourcing channels (OEM exchange outlets, used vehicle dealers, commercial associates, referrals).
• Achieve monthly, quarterly, and annual volume and value targets as per defined performance metrics.
• Assess customer profiles, collect and validate documentation, and recommend proposals for credit approval.
• Ensure empanelment and regular servicing of sourcing channels to maintain a steady flow of business.
• Prospect and convert both new and existing customers to generate incremental sales.
• Maintain and manage relationships with all sourcing channels to sustain business generation.
• Ensure timely collection of post-disbursement documents and monitor deferrals to minimize risks.

Skills

Professional communication

Relationship management

Negotiation

Job description

Group Company: AU Small Finance Bank Limited

Designation: Sales Officer Home Loan

Office Location:

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

Primary Responsibilities:

• 1. Understand and align with the company’s 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 company’s 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 company’s CRM or reporting systems.

Reporting Team

• Reporting Designation:
• Reporting Department:
• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Certification/s:

Required Training/s:

Required work experience

• 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 results2. Customer-centric mindset and actions3. adept at handling digital business apps and software4. hard work and detail-orientation5. eager to learn and grow as a banking professional6. positive mindset, ethical and high integrity7. Bias for Action and Urgency

Required Knowledge: 1. Product/domain knowledge2. Familiarity with Digital applications3. Target Market Knowledge - Local Area geography familiarity4. Ability to do detailed data collection/recording

Required Skills: 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken2. Relationship Management - Client-Centric Approach, respectful3. 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

Specific requirements

• Travel: High
• Vehicle: 2-wheeler
• Pay Rate:
• 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.