Senior Sales Officer LAP

AU SMALL FINANCE BANK; Bikaner; Sur place; INR 300 000 - 480 000; Plein temps

Résumé du poste

AU Small Finance Bank Limited in Rajasthan seeks a Senior Sales Officer MBL to generate fresh business and service existing clients. You will achieve sales targets, conduct market activities, and coordinate with operations for onboarding.

Extensive field visits and credit verification form part of the role in a high-activity environment. Ideal candidate has BFSI sales exposure, strong communication and relationship skills, and a willingness to travel with a two-wheeler.

Qualifications

• BFSI sales experience preferred; 0–3 years.
• Proficient in regional language and customer interaction.
• Ability to travel for field sales and customer onboarding.

Responsabilités

• Achieve assigned targets for sales and regular collection.
• Conduct marketing activities to identify new sources of business.
• Build customer relationships and enhance brand value.
• Coordinate with Operations & Collections for onboarding and servicing.
• Conduct physical verification of residence/assets and photograph.
• Visit customers for first FI and accompany seniors for visits.
• Prepare CAM (Credit Appraisal Memo).
• Complete documentation for disbursement of cases.
• Submit daily MIS and reporting data.

Connaissances

Professional Communication

Relationship Management

Sales Forecasting & Reporting

Ownership & Accountability

Description du poste

Group Company:

AU Small Finance Bank Limited

Designation:

Senior Sales Officer MBL

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