Sales Associate 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 relationship and develop brand value.
• Attend customer queries and provide resolution.
• Co-ordinate with Operations & Collection department 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 taking photographs.
• Follow instructions from seniors and coordinate with internal teams for getting visit reports done.
• Visit customers for first FI and meeting, and accompany seniors to customer's place for visit and verification.
• Conduct physical verification of credit related documents like ITR, Bank statement, receipts, ledger and property documents, performing OSV (Original Seen and verified).
• Prepare basic CAM (Credit Appraisal Memo).
• Take reference check of customers from the local market and existing customers.
• Follow policies & procedure 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 and ensure all cases are ACH.
• Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy.
• Correct operational errors and get 100% cases 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 of cases.
• Clear queries from credit, ops, legal, valuation, etc.
• Timely submit daily MIS and sourcing data.

Additional Responsibilities

• Provide true and fair opinion based on customer's interaction.
• 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 the customer, visiting property, especially while taking photos with customer permission.
• Conduct customer reference checks with utmost sincerity and maturity, ensuring client goodwill is not hampered and not disclosing financial or personal information of existing/new clients.

Requirements & Tech Stack

• Digital business apps and software
• Digital applications
• Own Smartphone

Qualifications

• Professional Communication: Regional language proficiency, verbal and written fluency, soft-spoken.
• Relationship Management: Client-Centric Approach, respectful.
• Sales Forecasting & Reporting.
• Aptitude for lead generation.
• Target Market Knowledge: Local Area geography familiarity.
• Detailed data collection/recording.
• Physical fitness.
• Mental agility.
• Ability to do extensive field travel/work.
• Ability to handle work pressure and demanding clients.
• Valid Two-Wheeler Driving License.
• Personal 2-wheeler.
• Track record of past employment.
• Positive reference check and clear civil report.
• 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).

Industry & Role Experience

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer

Key Performance Indicators

• Business Volume
• Average Ticket size
• Boarding rate

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
• Time Constraints: Flexible work hours as per business requirement