Sales Officer LAP

AU SMALL FINANCE BANK; Churu; On-site; INR 240,000 - 420,000; Full time

Job summary

AU SMALL FINANCE BANK is seeking a Sales Officer for Micro Business Loan and Loan Against Property. The role focuses on field sales, new customer acquisition, and managing existing relationships to ensure a seamless customer experience.

You will conduct field visits, verify documents, and coordinate with Credit, Operations, Legal, and other teams to process loans efficiently while meeting sales and collection targets.

Qualifications

• Minimum qualification is 12th Pass; graduates preferred.
• 0–3 years in sales, banking, NBFC, or related fields.
• Willingness to travel locally for customer meetings.

Responsibilities

• Generate MSME/LAP-Loan against Property, mortgage loan business through field sales and self-sourcing.
• Conduct canopy campaigns, leafleting, and local promotions.
• Identify new business opportunities and build strong customer relationships.
• Manage customer queries and provide timely resolutions.
• Perform field visits for customer, residence, business, and property verification.
• Verify financial and property documents (ITRs, bank statements, property papers, etc.).
• Coordinate with Credit, Operations, Legal, Valuation, Collections and other teams for loan processing.
• Ensure timely documentation, disbursement, and post-disbursement support.
• Monitor portfolio quality and assist in collections for delinquent accounts.
• Achieve assigned sales and collection targets while following policies and compliance.
• Submit daily MIS and sourcing reports to the reporting manager.

Skills

Field sales

Customer relationships

Communication

Mobility/Two-wheeler

Education

12th Pass

Graduates preferred

Job description

Sales Officer – Micro Business Loan/LAP

Department:

Sales

Business Vertical:

LAP/MBL

About The Role

We are looking for energetic and customer-focused Sales Officers to drive MBL/LAP business by acquiring new customers, managing existing relationships, and ensuring seamless end-to-end customer service. The role involves field sales, customer verification, portfolio management, and coordination with internal teams to deliver an exceptional customer experience.

Key Responsibilities

• Generate new MSME/LAP-Loan Against Property, Mortgage loan business through field sales and self-sourcing.
• Conduct marketing activities including canopy campaigns, leafleting, and local promotions.
• Identify new business opportunities and build strong customer relationships.
• Manage customer queries and provide timely resolutions.
• Perform field visits for customer, residence, business, and property verification.
• Verify financial and property documents (ITRs, bank statements, property papers, etc.).
• Prepare basic Credit Appraisal Memo (CAM).
• Coordinate with Credit, Operations, Legal, Valuation, Collections, and other internal teams for smooth loan processing.
• Ensure timely documentation, disbursement, and post-disbursement support.
• Monitor portfolio quality and assist in collections for delinquent accounts.
• Achieve assigned sales and collection targets while maintaining company policies and compliance standards.
• Submit daily MIS and sourcing reports to the reporting manager.

Eligibility

• Minimum Qualification: 12th Pass (Graduates preferred)
• Experience: 0–3 years in Sales, Banking, NBFC, Financial Services, or Freshers willing to build a career in sales.

Desired Skills

• Strong communication skills in the regional language, Hindi, and basic English.
• Comfortable with field sales, marketing activities, and customer interactions.
• Basic computer knowledge and smartphone proficiency.
• Good understanding of the local market and geography.
• Ability to build customer relationships and achieve sales targets.
• Two-wheeler with a valid driving licence is preferred.
• CIBIL should be clear (non-defaulter).

Key Competencies

• Customer Centricity
• Integrity & Ethics
• Result Orientation
• Ownership & Accountability
• Team Collaboration
• Attention to Detail
• Problem Solving
• Willingness to work in the field

What We’re Looking For

• Self-driven individuals with a passion for sales.
• Strong interpersonal and relationship-building skills.
• Willingness to travel locally for customer meetings and business development.
• Candidates with a positive attitude, learning mindset, and target-driven approach.