Sales Officer LAP

AU Small Finance Bank; Lohardaga; On-site; INR 250,000 - 400,000; Full time

Job summary

AU Small Finance Bank Limited in Lohardaga is seeking a Sales Officer MBL to generate fresh business and service existing clients in a predominantly field-based role. You will meet sales targets, build relationships, and coordinate onboarding with Operations.

The ideal candidate has 0–3 years BFSI sales experience, strong communication skills, and willingness to travel locally. This permanent position involves substantial fieldwork with regular reporting.

Qualifications

• 0–3 years of BFSI sales experience.
• Experience in onboarding customers and building relationships.
• Willingness to travel extensively for field work.
• Strong knowledge of the Lohardaga local market.

Responsibilities

• Generate fresh business and service existing clients.
• Achieve assigned targets for sales and collections.
• Coordinate with Operations for onboarding and servicing.
• Conduct field visits and verify customer documents/assets.
• Handle customer queries and maintain client relationships.
• Prepare CAMs and perform reference checks as needed.
• Ensure compliance with bank policies and code of conduct.
• Submit daily MIS and sourcing data to reporting authority.

Skills

Professional Communication

Relationship Management

Sales Forecasting

Job description

Job Details

• Group Company: AU Small Finance Bank Limited
• Designation: Sales Officer MBL

Job Summary

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

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
• Customer-centric mindset and actions
• adept at handling digital business apps and software
• hard work and detail-orientation
• eager to learn and grow as a banking professional
• positive mindset, ethical and high integrity
• Bias for Action and Urgency

Required Knowledge

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

Required Skills

• Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken
• Relationship Management - Client-Centric Approach, respectful
• Sales Forecasting Reporting

Required abilities

• Physical: Physical fitness
• Physical: Mental agility
• Physical: Ability to do extensive field travel/work
• Physical: Ability to handle work pressure and demanding clients
• Other: Valid Two-Wheeler Driving License
• Other: Personal 2-wheeler
• Other: Own Smartphone
• Other: track record of past employment
• Other: 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: Flexible workhours as per business requirement
• Compliance Related: Adherence to Code of Conduct policy of the bank; Non-disclosure of confidential information about bank, clients; Responsible handling of bank assets such as ID Card, SIM, Marketing material, digital devices, Receipt book etc.
• Union Affiliation: