Senior Sales Officer LAP

AU SMALL FINANCE BANK; India; On-site; INR 350,000 - 550,000; Full time

Job summary

AU Small Finance Bank is seeking a Senior Sales Officer to generate fresh business and service existing clients across field locations in India. The role involves extensive field visits, loan verifications, client onboarding, and coordination with operations and collections to meet targets.

The candidate should be adept at relationship management, data collection, and reporting, with a focus on accountability and customer-centric service.

Qualifications

• Proven ability to communicate in local language and English.
• Strong relationship management and negotiation skills.
• Experience in sales forecasting and reporting.

Responsibilities

• Achieve assigned targets for sales & regular collection.
• Conduct marketing activities and identify new sources of business.
• Handle customer queries, build relationships and develop brand value.
• Coordinate with Operations & Collection for onboarding and servicing.
• Conduct physical verification of customer residence, business and assets.
• Prepare basic CAM (Credit Appraisal Memo).
• Take reference checks of customers from local market.
• Ensure compliance with bank policies and procedures.
• Portfolio management: visit delinquent cases and collect EMIs with the collections team.
• Submit daily MIS and sourcing data to reporting authority.

Skills

Professional communication - regional

Relationship management

Sales forecasting & reporting

Job description

Job Description

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

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational Qualifications Preferred

• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

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
• Work Permit:

Other Details

• 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.
• Union Affiliation: