Senior Sales Officer LAP

Au Small Finance Bank Ltd.; Hisar; Presencial; INR 350.000 - 650.000; Jornada completa

Descripción de la vacante

AU Small Finance Bank Limited is seeking a field-based Sales/Credit officer in Haryana to generate new business and service existing clients. You will achieve sales and collection targets, conduct marketing activities, and build strong customer relationships through on-site visits and careful verification of documents.

The role involves collaborating with operations and collections, performing OSV, and maintaining accurate MIS.

Formación

• 0 to 3 years of work experience
• Two-wheeler driving license is mandatory
• Proficient in professional communication (regional language) and customer handling

Responsabilidades

• Achieve assigned sales and regular collection targets
• Conduct marketing activities to identify new business sources
• Handle customer queries and build strong customer relationships
• Coordinate with operations and collections for onboarding and servicing
• Perform field visits for first financial inquiry (FI) and verification
• Conduct OSV and assess credit documents (ITR, bank statements, etc.)
• Prepare CAM and perform reference checks
• Ensure policy compliance and timely MIS/reporting

Descripción del empleo

Group Company

AU Small Finance Bank Limited

Office Location

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

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

• 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
  
  
  
  

Specific requirements

• Travel: High


• Vehicle: 2-wheeler


• Pay Rate:


• 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.