Senior Sales Officer LAP

AU SMALL FINANCE BANK; Kolkata District; On-site; INR 600,000 - 900,000; Full time

Job summary

AU Small Finance Bank Limited in India invites applications for the role of Senior Sales Officer MBL. The position emphasizes field sales, client onboarding, and portfolio management across diverse regions.

You will drive targets, manage client queries, perform due diligence such as OSV and CAM, and coordinate with operations and collections to ensure timely disbursement and repayments. Travel and on-site work with a two-wheeler is expected; BFSI sales experience and strong relationship skills

Qualifications

• Experience in BFSI sales preferred.
• Valid Two-Wheeler driving license required.
• Willingness to travel for field work across assigned regions.

Responsibilities

• Achieve assigned targets for sales & regular collection.
• Conduct marketing activities, leafleting, canopy to identify new sources of business.
• Handle customer queries, build customer relationships and develop brand value in the market.
• Attend customer queries and provide resolution.
• Coordinate with Operations & Collection for onboarding and servicing.
• Conduct physical verification of residence, business and assets and take photographs.
• Follow instructions from seniors and coordinate with internal teams for reports.
• Visit customers for first FI and accompany seniors for visits and verification.
• Verify credit documents (ITR, bank statements, receipts, ledger, property papers) and perform OSV.
• Prepare CAM (Credit Appraisal Memo).
• Take reference checks from local market and existing customers.
• Follow bank policies and procedures.
• Portfolio management: visit delinquent cases, collect EMIs with collections team.
• Maintain and stop early delinquency and non-starter cases; apply appropriate treatments.
• Maintain OTC/PDD pendency and ensure timely clearance.
• Maintain and ensure ACH for all portfolio cases.
• Collect data from marketing activities for tele calling and self-sourcing.
• Follow leads from telemarketing data; complete documentation for disbursement.
• Clear queries from credit, Ops, Legal, Valuation, etc.
• Submit daily MIS and sourcing data to reporting authority.

Skills

Professional Communication

Relationship Management

Sales Forecasting

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Senior Sales Officer MBL

Office Location:

Agar Malwa Agar Malwa , Ahilyanagar Asset Center Ahilyanagar , Akola Akola , Amravati Amravati , Amritsar Mall Road Asset Centre Amritsar , Anuppur Anuppur , Ashoknagar Bhopal Asset Centre Ashok Nagar , Ashta Ashta , BHUSAWAL Bhushawal , Baddi Baddi , Badnagar Asset Centre Badnagar , Balaghat Asset Center Balaghat , Baloda Bazar Asset Centre Baloda Bazar , Baraily Bareli , Barnala Barnala , Barshi Asset Centre Barshi , Bathinda Asset Center Bathinda , Bemetara Asset Centre Bemetra , Betul Asset Centre Betul , Bhairunda Bhairunda , Bhanwar Kuan Indore Asset Center Indore , Bharatpur Bharatpur , Bhopal Asset Center Bhopal , Biaora Asset Centre Biaora , Bilaspur Asset Center Bilaspur , Bilaspur Asset Centre Bilaspur , Borivali Mumbai Asset Center Mumbai , CHOPDA Chopda , Chamba Asset Center Chamba , Chandrapur Chandrapur , Chaufulla Asset Centre Boripardhi , Chhatarpur Chhatarpur , Chhatrapati Sambhaji Nagar Aurangabad , Chhindwara Asset Center Chhindwara , Civil Lines Prayagraj Prayagraj , Dera Bassi Asset Centre Dera Bassi , Dewas Dewas , Dhamtari Dhamtari , Dhar Dhar , Dhenkanal Dhenkanal , Dhule Dhule , Dindori Asset Centre Dindori , Dudu Dudu , Dum Dum North 24 Parganas , Dunlop Kolkata , FAIZABAD AYODHYA Faizabad , Ferozepur Road Ludhiana Ludhiana , GADARWARA Gadarwada , Ghaziabad Asset Centre Ghaziabad , Gwalior Asset Centre Gwalior , Habra North 24 Parganas , Hamidiya Road Bhopal Bhopal , Hamirpur Asset Centre Hamirpur , Howrah Howrah , Indore Asset Centre Indore , Itarsi Itarsi , JAT Jat , Jabalpur Asset Centre Jabalpur , Jagraon Asset Centre Jagraon , Jalandhar Asset Center Jalandhar , Jalgaon Asset Center Jalgaon , Jalna Jalna , Janjgir Asset Centre Janjgir Champa , Jhajjar Jhajjar , KHAMGAON Khamgaon , KINWAT Kinwat , KONDAGAON Kondagaon , Kangra Asset Center Kangra , Kanker Asset Centre Kanker , Kanpur Asset Center Kanpur , Karad Asset Centre Karad , Karnal Urban Estate Karnal , Katni Katni , Khanna Khanna , Krishnanagar Krishnanagar , Kullu Asset Centre Kullu , LUDHIANA Ludhiana , Latur Latur , Laxmisagar Bhubaneswar Bhubaneswar , Ludhiana Asset Center Ludhiana , MEHKAR Mehkar , Madhyamgram Madhyamgram , Mahasamund Asset Centre Mahasamund , Mahendragarh Mahendragarh , Mandla Mandla , Mandsaur Asset Center Mandsaur , Mansa Mansa , Moga Moga , Mukerian Asset Centre Mukerian , Mumbai Andheri Four Bungalows Mumbai , Mumbai Mulund West Mumbai , Nabha Asset Centre Nabha , Nagpur Asset Center Nagpur , Nakodar Nakodar , Narmadapuram Asset Center Hoshangabad , Narsimhapur Asset Centre Narsinghpur , Nashik Asset Center Nashik , Nawanshahr Nawanshahr , Neemuch Asset Center Neemuch , PACHORA Pachora , PARTUR Partur , Pathankot Pathankot , Patiala Asset Center Patiala , Patran Asset Centre Patran , Pen Pen , Pipariya Asset Centre Narmadapuram , Pithampur Pithampur , Raipur Asset Center Raipur , Raisen Raisen , Rajpura Asset Centre Rajpura , Rampur Asset Centre Rampur , Ranaghat Nadia , Rawla Mandi Asset Center Rawla , Sagar Dashmesh Tower Sagar , Sangamner Asset Centre Sangamner , Sangli Asset Center Sangli , Sangrur Sangrur , Saraswati Chowk Solapur Solapur , Satara Satara , Satna Satna , Seawood Navi Mumbai Navi Mumbai , Sendhwa Asset Center Sendhwa , Seoni Kacheri Chowk Asset Center Seoni , Shahdol Asset Center Shahdol , Shahpura Shahpura , Shamgarh Shamgarh , Shirwal Asset Centre Satara , Shujalpur Asset Centre Shujalpur , Yamunanagar Yamunanagar , Yevla Asset Centre Yeola , Zirakpur Raksha Business Centre Zirakpur

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:

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:

• 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 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

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: 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.
• Union Affiliation: