Sales Officer LAP

About the Role

AU Small Finance Bank Limited is seeking a Sales Officer LAP. This position involves generating new business and servicing existing clients.

Key Responsibilities

• Achieve assigned targets for sales and regular collection.
• Conduct marketing activities (e.g., leafleting, canopy) to identify new sources of business.
• Handle customer queries, build customer relationships, and develop brand value.
• Provide resolutions for customer queries.
• Co-ordinate with Operations & Collection departments for customer onboarding and servicing.
• Conduct physical verification of customer's residence, business, and assets, including taking photographs.
• Follow instructions from seniors and coordinate with internal teams for visit reports.
• Visit customers for initial field investigation (FI) and meetings, and accompany seniors for visits and verifications.
• Conduct physical verification of credit-related documents (e.g., ITR, Bank statement, receipts, ledger, property documents), performing OSV (Original Seen and Verified).
• Prepare basic CAM (Credit Appraisal Memo).
• Conduct customer reference checks from the local market and existing customers.
• Follow policies & procedures as laid down by the bank.
• Portfolio Management: Visit delinquent cases, collect EMIs for delinquent cases in collaboration with the collections team.
• Maintain and stop early delinquency and non-starter cases in the portfolio, deciding appropriate treatment.
• Maintain least OTC / PDD pendency and ensure timely clearance.
• Maintain non-RPDC portfolio, ensuring all cases are ACH.
• Collect fresh bouncing case EMIs with charges as per policy.
• Correct operational errors and ensure 100% repayment in Non-PDC mode.
• Collect fresh data from open marketing activities for tele-calling and self-sourcing.
• Follow leads generated from data received from the telemarketing team.
• Complete documentation, file agreements, formats, and other formalities for disbursement.
• 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.
• Do not get involved in any financial/non-financial transaction with the customer.
• Maintain decency and good behavior while dealing with customers and visiting properties, especially while taking photos with permission.
• Conduct customer reference checks with sincerity and maturity, ensuring client goodwill is not hampered and no confidential information is disclosed.

Requirements & Tech Stack

• Digital business apps and software
• Digital applications

Qualifications

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Required Knowledge:
• Aptitude for lead generation
• Target Market Knowledge - Local Area geography familiarity
• 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
• Required Competencies:
• Ownership and accountability for results
• Customer-centric mindset and actions
• 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

Work Environment Details

• 90% - Field, 10% - Office
• Travel: High
• Vehicle: 2-wheeler
• Work Permit: Other

Compliance Related

• Adherence to Code of Conduct policy of the bank.
• Non-disclosure of confidential information about the bank and clients.
• Responsible handling of bank assets (e.g., ID Card, SIM, Marketing material, digital devices, Receipt book).