Sales Officer LAP

Au Small Finance Bank Ltd.; Narayangaon; Presencial; INR 300.000 - 500.000; Jornada completa

Descripción de la vacante

AU Small Finance Bank Limited in Maharashtra seeks a Field Sales Officer to generate fresh business and service existing clients. You will engage with customers, perform on-site verifications, and coordinate with operations for timely disbursement and collections.

The role requires 0–3 years of experience, willingness for extensive field travel, and a valid two-wheeler license. Build relationships, meet targets, and uphold bank policies while delivering strong customer service.

Formación

• 0–3 years of relevant work experience in banking or financial services.
• Proven communication and relationship-building abilities.
• Familiarity with digital banking tools and data entry.

Responsabilidades

• Achieve assigned targets for sales & regular collection.
• Conduct marketing activities to identify new sources of business.
• Handle customer queries and build strong customer relationships.
• Coordinate with Operations & Collections for onboarding and servicing.
• Conduct physical verification of customer residence, business and assets; take photos.

Conocimientos

Professional Communication

Relationship Management

Sales Forecasting

Customer-centric mindset

Digital applications

Descripción del empleo

Group Company: AU Small Finance Bank Limited

Office Location:

Position description

Generate fresh Business and service existing clients

Primary Responsibilities

• 1. Achieve assigned targets for sales & regular collection
• 2. Conduct Marketing activities, leafleting , Canopy etc to identify new sources of business
• 3. Handle customer queries, build up customer relationship and develop brand value in the market
• 4. Attend customer queries and provide resolution
• 5. Co-ordinate with Operations & Collection department for customer onboarding and servicing
• 6. Conduct physical verification of customer's residence, business and any other asset crucial from credit point of view and taking photographs.
• 7. Follow instructions frm seniors, coordinate with internal teams for getting visit reports done.
• 8. Visit customers for first FI and meeting, and also accompany seniors to customer's place for visit and verification.
• 9. Conduct physical verification of credit related documents like ITR, Bank statement, receipts, ledger and property documents - doing OSV ( Original Seen and verified) of documents.
• 10. Prepare basic CAM ( Credit Appraisal Memo)
• 11. Take reference check of customers from local market and existing customers.
• 12. Follow policies & procedure as laid down by the bank.
• 13. Portfolio Management - visit delinquent cases, collect EMIs of delinquent cases in collaboration with collections team.
• 14. Maintain and stop early delinquency , Non-starter cases in portfolio, decide the treatment of such cases wisely.
• 15. Maintain least OTC / PDD pendency and ensure timely clearance of the same.
• 16. Maintain non-RPDC portfolio - ensure all cases of portfolio are ACH.
• 17. Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy,
• 18. Correct the operational errors and get 100% cases repayment in Non-PDC mode.
• 19. Collect fresh data from open marketing activities for tele calling and self sourcing.
• 20. Follow leads so generated from data received from telemarketing team
• 21. Complete documentation, file agreements, formats and other formalities for disbursement of cases
• 22. Clear queries from credit, Ops, Legal, Valuation etc.
• 23. Timely submit daily MIS and sourcing data to reporting authority

Additional Responsibilities

• 1. Provide true and fair opinion based on customer's interaction.
• 2. Clear queries of customers - clarify final ROI, Fees, Charges, and all other terms of the case
• 3. Do not get involved in any financial/non-financial transaction with the customer
• 4. 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.
• 5. 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

Reporting Team

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

Required Certification/s

Required Training/s

Required work experience

• Years of experience: 0 to 3

Key Performance Indicators

Business Volume, Average Ticket size, Boarding 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. Aptitude for lead generation
• 2. Target Market Knowledge - Local Area geography familiarity
• 3. Familiarity with Digital applications
• 5. 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. Sales Forecasting & Reporting

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

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 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.