Sales Associate LAP

Position Description

Generate fresh business and service existing clients.

Key Responsibilities

• Achieve assigned targets for sales and regular collection.
• Conduct marketing activities, leafleting, canopy, etc., to identify new sources of business.
• Handle customer queries, build customer relationships, and develop brand value in the market.
• Attend customer queries and provide resolutions.
• 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; coordinate with internal teams for getting visit reports done.
• Visit customers for first FI and meetings, and accompany seniors to customer's place for visits and verification.
• Conduct physical verification of credit-related documents (ITR, Bank statement, receipts, ledger, property documents) – performing 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 and 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; decide 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 achieve 100% 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.
• Submit daily MIS and sourcing data to the reporting authority.

Additional Responsibilities

• Provide a true and fair opinion based on customer interaction.
• Clarify final ROI, fees, charges, and all other terms of the case for customers.
• Do not get involved in any financial/non-financial transaction with the customer.
• Maintain decency and good behavior while dealing with customers, visiting properties, especially while taking photos of the house and surroundings with permission.
• Conduct customer reference checks with utmost sincerity and maturity, ensuring the client's goodwill is not hampered and not disclosing any financial or personal information of existing/new clients with any party.

Requirements & Tech Stack

• Digital business apps and software
• Aptitude for lead generation
• Local Area geography familiarity
• Familiarity with Digital applications
• Detailed data collection/recording

Qualifications

Industry: BFSI

Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer

Required Knowledge:

• Target Market Knowledge

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 fitness
• Mental agility
• Ability to do extensive field travel/work.
• Ability to handle work pressure and demanding clients.

Specific Requirements:

• Valid Two-Wheeler Driving License
• Personal 2-wheeler
• Own Smartphone
• Track record of past employment.
• Positive reference check and clear civil report.

Work Environment:

• 90% - Field, 10% - Office
• High travel
• 2-wheeler required

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 (ID Card, SIM, Marketing material, digital devices, Receipt book, etc.).

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