Sales Officer LAP

Group Company: AU Small Finance Bank Limited

Designation: Sales Officer MBL

Office Location: ARNOD Pratapgarh , AU Jagatpura CPC Jaipur , Abohar Abohar , Ahilyanagar Asset Center Ahilyanagar , Ahmedabad - Chandkheda Ahmedabad , Ahmedabad Nikol Ahmedabad , Ahmedabad Shahibaug Ahmedabad , Ahmednagar Srigonda Asset Centre Shrigonda , Akola Akola , Alot Alot , Ambaji Asset Centre Ambaji , Ambernath Asset Centre Badlapur , Amravati Amravati , Anupgarh Asset Center Anupgarh , Anuppur Anuppur , Ashoknagar Bhopal Asset Centre Ashok Nagar , Ashram Road Ahmedabad Ahmedabad , Ashta Ashta , BACHHRAWAN Bachhrawan , BAGIDORA Bagidora , BECHARAJI Becharaji , BEGAMGANJ Begamgunj , BHANPURA Bhanpura , BHIKANGAON Bhikangaon , Bagru Bagru , Bahadurgarh Bahadurgarh , Bajna Bajna , Balasinor Balasinor , Bandra Turner Road Mumbai , Baraily Bareli , Baramati Baramati , Bardoli Asset Center Bardoli , Barshi Asset Centre Barshi , Barwani Asset Centre Barwani , Bathinda Asset Center Bathinda , Beawar Asset Center Beawar , Belapur Asset Center Belapur , Betul Asset Centre Betul , Bhairunda Nasrullaganj , Bhanwar Kuan Indore Asset Center Indore , Bharuch Asset Center Bharuch , Bhiloda Asset Center Bhiloda , Bhopal Asset Center Bhopal , Bhulabhai Desai Road Mumbai , Biaora Asset Centre Biaora , Bijainagar Bijainagar , Bilaspur Asset Center Bilaspur , Bkc Annex Mumbai Mumbai , Bodeli Bodeli , Boisar Boisar , Borivali Mumbai Asset Center Mumbai , Botad Asset Centre Botad , Bundi Asset Center Bundi , CHALISGAON Chalisgaon , CHOPDA Chopda , Chakan Asset Centre Chakan , Chandrapur Chandrapur , Chhatarpur Chhatarpur , Chhatrapati Sambhaji Nagar Aurangabad , Circular Road Bhiwani Bhiwani , DEORI Deori , DEVGADH BARIA Devgadh Baria , DOUBLE CHOWKI Double Chowki , Dabawali Asset Center Dabawali , Dadar East TT Circle Mumbai , Deesa Asset Centre Deesa , Dehgam Dehgam , Delhi Rajender Nagar Central Delhi , Deodar Deodar , Derawal Nagar Delhi Delhi , Dewas Dewas , Dhamnod Asset Center Dhamnod , Dhanera Asset Center Dhanera , Dhar Dhar , Dhule Dhule , Drive in Road Ahmedabad Ahmedabad , East Of Kailash Delhi New Delhi , FATEPURA Fatepura , Faridkot Faridkot , Fatehabad Fatehabad , Fc Road Pune Pune , GADARWARA Gadarwada , GHATOL Ghatol , Gadchiroli Asset Center Gadchiroli , Gangapur Gangapur , Ganj Basoda Ganj Basoda , Ghaziabad Asset Centre Ghaziabad , Ghoda Dongri Ghoda Dongari , Ghodewala Circle Kota Kota , Godhra Godhra , Gohana Asset center Gohana , Gondia Asset Centre Gondia , Guna Asset Centre Guna , Gwalior Gwalior , Gwalior Asset Centre Gwalior , HAMIRPUR Hamirpur , HATPIPLYA Hatpipaliya , Hamidiya Road Bhopal Bhopal , Hanumangarh Asset Center Hanumangarh , Harda Asset Center Harda , Himatnagar Asset Center Himatnagar , Hisar Hisar , Hoshiarpur Hoshiarpur , Idar Idar , Indore Asset Centre Indore , Itarsi Itarsi , J9 Tower Surat Asset Center Surat , JAORA Jaora , JAT Jat , Jabalpur Asset Centre Jabalpur , Jagdalpur Asset Centre Jagdalpur , Jagraon Asset Centre Jagraon , Jaitaran Jaitaran , Jamnagar Jamnagar , Janjgir Asset Centre Janjgir Champa , Jetpur Jetpur , Jhadol Asset Center Jhadol , Jhajjar Jhajjar , Junagarh Junagarh , KANNOD Kannod , KARANJA Karanja , KUSHALGARH Kushalgarh , Kadi Kadi , Kalabhadevi Mumbai Mumbai , Kalyan Kalyan , Kalyan Asset Center Kalyan , Kandivali West M G Road Mumbai , Kanpur Asset Centre Kanpur , Karad Asset Centre Karad , Kathlal Kathlal , Katol Asset Centre Katol , Kawardha Asset Centre Kawardha , Khalawa Khalwa , Khandwa Asset Centre Khandwa , Kharadi Asset Center Pune , Kharghar Mumbai Mumbai , Khargone Asset Center Khargone , Khategaon Khategaon , Khatushyamji Asset Center Khatushyamji , Kheda Asset Centre Kheda , Kherwara Chhaoni Kherwara , Korba Korba , Kuha Daskroi , Kukshi Asset Centre Dhar , Kullu Asset Centre Kullu , Kurukshetra Kurukshetra , LIMDI Limdi , LIMKHEDA Limkheda , Lajpat Nagar Delhi Delhi , Lakhnadoun Lakhnadon , Latur Latur , Laxmi Nagar Delhi Delhi , Lucknow Asset Centre Lucknow , Lunawada Lunawada , MALKAPUR Malkapur , MEHKAR Mehkar , Mahasamund Asset Centre Mahasamund , Mahavir Nagar- Kandivali West Mumbai , Mahendragarh Mahendragarh , Malout Asset Centre Malout , Malpur Malpur , Mandsaur Asset Center Mandsaur , Mani Nagar Ahmedabad Ahmedabad , Meghraj Meghraj , Mehsana Mehsana , Mehsana Kheralu Kheralu , Mg Road Gurgaon Gurgaon , Modasa Modasa , Morbi Morbi , Mukerian Asset Centre Mukerian , Multai Asset Centre Multai , Mumbai Ghatkopar East Mumbai , Mumbai Goregaon Mumbai , Mumbai Marol Mumbai , Mumbai Mulund West Mumbai , Mungeli Mungeli , NAGDA Nagda , NIT Faridabad Faridabad , Nagpur Asset Center Nagpur , Nakodar Nakodar , Nanded Nanded , Narayangaon Narayangaon , Narmadapuram Asset Center Hoshangabad , Narnaul Narnaul , Naroda Asset Center Ahmedabad , Nashik Satana Satana , Nibm Road Pune Pune , Nsp Delhi Asset Center Delhi , PIPLOD Piplod , PUNASA Punasa , Palam Vihar Gurgoan Gurgaon , Paloda Garhi , Panvel Asset Center Navi Mumabi , Patan Asset Center Patan , Patparganj Asset Centre Delhi , Patran Asset Centre Patran , Pindwara Pindwara , Pokaran Pokaran , Pokhran Road No. 2 Thane Thane , Powai Hiranandani Mumbai , Prantij Prantij , Pune East Street Camp Pune , Pune Kothrud Pune , Pune RO Pune , RAMGARH Ramgarh , RAMPURA Rampura , Raisen Road Bhopal Bhopal , Rohini Delhi Delhi , SARANGPUR Sarangpur , SHAHJAHANPUR Shahjahanpur , SHEVGAON Shevgaon , SHIRALA Shirala , SILLOD Sillod , SUWASARA Suwasara , SV Road Mumbai Mumbai , Sagar_Dashmesh Tower Sagar , Santacruz Mumbai Mumbai , Sardar Patel Marg Rajkot Rajkot , Satna Satna , Savarkundla Asset Centre Savarkundla , Shahpura Shahpura , Shajapur Asset Centre Shajapur , Shikrapur Asset Centre Shikrapur , Shivranjani Ahmedabad Ahmedabad , Shujalpur Asset Centre Shujalpur , Sion East Mumbai Mumbai , Sirsa Sirsa , Sohna Road Gurgaon Gurgaon , Station Road Anand Anand , Sujangarh Sujangarh , TALOD Talod , THANDLA Thandla , Thane Asset Center Thane , Time Square Surat Asset Centre Surat , Tonk Tonk , Ujjain Asset Center Ujjain , Umreth Umreth , Urban Estate Gurgaon Gurgaon , Vaishali Nagar Jaipur Jaipur , Valsad Valsad , Vasai West Asset Center Vasai , Vashi Navi Mumbai , Vidisha Vidisha , Vile Parle East Mumbai Mumbai , Vileparle West Juhu Mumbai , Viman Nagar Pune Pune , WARASEONI Waraseoni , Worli Mumbai Mumbai , Yevla Asset Centre Yeola

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 Certification/s

Required Training/s:

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 do 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:

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