Senior Sales Officer LAP

AU Small Finance Bank; Raisen; On-site; INR 300,000 - 420,000; Full time

Job summary

AU Small Finance Bank Limited in Raisen, Madhya Pradesh seeks a field sales professional to generate fresh business and service existing clients. The role involves visiting customers, collecting EMI payments, and coordinating with operations for onboarding and servicing.

You will verify documents and prepare CAMs while maintaining customer relationships and brand value. Ideal candidates have 0–3 years of experience, a valid two-wheeler, and willingness to travel extensively.

Qualifications

• Excellent communication and customer service skills.
• Ability to build and maintain client relationships in field sales.
• Proficient in using digital applications for sales and reporting.

Responsibilities

• Achieve assigned targets for sales and regular collections.
• Conduct marketing activities to identify new sources of business.
• Handle customer queries and build relationships to develop brand value.
• Coordinate with Operations & Collections for onboarding and servicing.
• Perform physical verification of residence, business and assets with photos.
• Prepare basic Credit Appraisal Memo (CAM).
• Visit customers for first field inspections and accompany seniors as needed.
• Ensure timely MIS submissions and data reporting.

Skills

Regional language proficiency

Relationship management

Sales forecasting

Job description

Group Company: AU Small Finance Bank Limited

Position description: Generate fresh Business and service existing clients

Primary Responsibilities:

• 1. Achieve assigned targets for sales & regular collection2. Conduct Marketing activities, leafleting , Canopy etc to identify new sources of business3. Handle customer queries, build up customer relationship and develop brand value in the market4. Attend customer queries and provide resolution5. Co-ordinate with Operations & Collection department for customer onboarding and servicing6. 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 team21. Complete documentation, file agreements, formats and other formalities for disbursement of cases22. 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 case3. Do not get involved in any financial/non-financial transaction with the customer4. 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:
• 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: 1. ownership and accountability for results2. Customer-centric mindset and actions3. adept at handling digital business apps and software4. hard work and detail-orientation5. eager to learn and grow as a banking professional6. positive mindset, ethical and high integrity7. Bias for Action and Urgency

Required Knowledge: 1. Aptitude for lead generation2. Target Market Knowledge - Local Area geography familiarity3. Familiarity with Digital applications5. Detailed data collection/recording

Required Skills: 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken2. Relationship Management - Client-Centric Approach, respectful3. Sales Forecasting & Reporting

Required abilities

• Physical: 1. Physical fitness2. Mental agility3. Ability to do extensive field travel/work4. Ability to handle work pressure and demanding clients
• Other: 1. Valid Two-Wheeler Driving License2. Personal 2-wheeler3. Own Smartphone4. track record of past employment5. 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: 1. Aherence to Code of Conduct policy of the bank2. Non-disclosure of confidential information about bank, clients3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.