Senior Sales Officer LAP

Key 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 relationships and develop brand value in the market.
• Provide resolution for customer queries.
• Coordinate with Operations & Collection departments for customer onboarding and servicing.
• Conduct physical verification of customer's residence, business and any other asset crucial from a credit point of view, and take photographs.
• Follow instructions from seniors and coordinate with internal teams for visit reports.
• Visit customers for first FI and meetings, and accompany seniors to customer's place for visits and verifications.
• Conduct physical verification of credit-related documents (e.g., ITR, Bank statement, receipts, ledger, property documents) using OSV (Original Seen and Verified).
• Prepare basic CAM (Credit Appraisal Memo).
• Take reference checks of customers from the local market and existing customers.
• Follow policies & procedures as laid down by the bank.
• Portfolio Management: visit delinquent cases, collect EMIs of delinquent cases in collaboration with the collections team.
• Maintain and stop early delinquency and non-starter cases in the portfolio, deciding the treatment of such cases wisely.
• Maintain least OTC / PDD pendency and ensure timely clearance.
• Maintain non-RPDC portfolio, ensuring all cases are ACH.
• Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy.
• Correct operational errors and ensure 100% cases repayment in Non-PDC mode.
• Collect fresh data from open marketing activities for telecalling and self-sourcing.
• Follow leads generated from data received from the 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 the reporting authority.

Additional Responsibilities

• Provide true and fair opinions based on customer interactions.
• Clarify final ROI, fees, charges, and all other terms of the case for customers.
• Maintain decency and good behavior while dealing with customers and visiting properties, especially when taking photos.
• Conduct customer reference checks with utmost sincerity and maturity, ensuring goodwill is not hampered.
• Do not disclose any financial or personal information of existing/new clients to any third party.
• Do not get involved in any financial/non-financial transactions with the customer.

Requirements & Tech Stack

• Digital business apps and software
• Smartphone

Qualifications

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Competencies:
• Ownership and accountability for results
• Customer-centric mindset and actions
• Hard work and detail-orientation
• Eagerness to learn and grow as a banking professional
• Positive mindset, ethical, and high integrity
• Bias for Action and Urgency
• Knowledge:
• Aptitude for lead generation
• Target Market Knowledge - Local area geography familiarity
• Familiarity with Digital applications
• Detailed data collection/recording
• Skills:
• Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken
• Relationship Management - Client-Centric Approach, respectful
• Sales Forecasting & Reporting
• Abilities:
• 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
• Positive reference check and clear civil report
• Track record of past employment
• Compliance Related:
• Adherence to Code of Conduct policy of the bank
• Non-disclosure of confidential information about bank, clients
• Responsible handling of bank assets (e.g., ID Card, SIM, Marketing material, digital devices, receipt book)

Work Environment Details

• Travel: High
• Vehicle: 2-wheeler
• Work Environment: 90% - Field, 10% - Office
• Time Constraints: Flexible work hours as per business requirement