Sales officer - Rural Banking(New)

Ujjivan Small Finance Bank; Karnataka; On-site; INR 400,000 - 800,000; Full time

Job summary

Ujjivan Small Finance Bank in Karnataka seeks a Liabilities Sales Executive to drive open market liabilities, convert existing borrowers, and deepen relationships through cross-selling of CASA/TD products. You will guide customers through account opening, ensure KYC compliance, and promote alternate channels.

The role requires field presence, target orientation, and strong service mindset, with willingness to travel as needed and adherence to banking regulations.

Qualifications

• Graduate with commerce background.
• Experience in sales is preferred.
• AMFI/IRDA certification is a plus.

Responsibilities

• Meet liabilities targets via open market acquisition and convert existing customers.
• Acquire customers meeting liability criteria through branches, referrals, or alternate channels.
• Maintain database of prospects and manage relationships.
• Cross-sell secured loan products and pass quality leads to loan officers.
• Guide customers to fill Account Opening Form and ensure KYC verification.
• Drive usage of alternate channels such as ATMs/BCs and assist customers.
• Interact with customers and provide prompt, courteous service.

Skills

Liabilities sales

Cross-selling

Customer relationship

Communication skills

Travel willingness

Education

Graduate in commerce

Tools

CRM systems

KYC process knowledge

Job description

Theincumbent will be primarily responsible to -

• Acquirenew customers for liabilities from open market
• Assistthe CRS - unsecured loans for conversion of existing borrowingcustomers for liabilities
• Enhancethe relationship with the existing customers by cross-sellingproducts and services as per the profile & need of thecustomers
• Train/assistcustomers to use ATM and BCs; drive usage of alternate channels

FINANCIALSIZE

NON-FINANCIALSIZE

• Managingthe Liability Book of the branch (Open Market CA SA TD) ??Approximately 2.5 Cr

• LiabilitiesCustomers handling
• Numberof portfolio products- CASA, TD

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Meetthe set targets on liabilities in terms of open marketacquisition & existing customer conversion
• Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels:
  • Leadsgenerated by branch staff and personal leads
  • Referralsgenerated from existing customers
  • Alternatechannels

• Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter
• AccompanyCRS-Unsecured loans on the field for actively driving conversionof existing borrowing customers into liabilities customer
• Crosssell other secured loan products of Ujjivan and pass qualityleads to respective loan officers
• Sharecustomer insights/product related feedback with the Sales Manager- Liabilities

Customers

• Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services
• Reducecustomer dormancy and customer attrition by continuous engagement/ interaction
• Resolvesthe customer queries on various accounts, FD / RD, remittances &third party product

InternalProcesses

• Guidethe customer to fill the ??Account Opening Form??;ensure receipt and verification of KYC documents; obtain customersignatures on all mandatory documents
• Strictlyadhere & maintain compliance to KYC norms
• Drivethe usage of alternate channels such as ATMs, BCs and assistcustomers to use ATMs for dispensing cash

Learning& Performance

• Maintainup to date knowledge of the liabilities products and services aswell as a working knowledge of other products offered in thebranch
• Resolvequeries raised by CRS-unsecured loans w.r.t liability productsand support them in selling liabilities
• Ensureadherence to training man-days/ mandatory training programs forself

Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate,preferably in commerce and related streams

Experience

• yearexperience, preferably in sales

Certifications

• AMFI/ IRDA Certified

FunctionalSkills

• Basicknowledge on retail banking products
• Documentationskills
• Processcompliance focus
• Communicationskills: fluent in the local language

BehavioralSkills

• Courteouscustomer service skills
• TimeManagement
• Sellingskills
• Telephoniccold calling skills
• Willingnessto travel & relocation as per business requirements andcareer opportunities

Competencies

• Planning& Organizing
• DrivingExecution
• ManagingRelationships
• CustomerFocus

KEYINTERACTIONS

INTERNAL

EXTERNAL

• BranchTeam ?? Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team
• RegionalProduct & Marketing team
• StateHR

• BCAgents