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 customer relationships, and develop brand value
• 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 assets, 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 for visits and verifications
• Conduct physical verification of credit-related documents, including 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 laid down by the bank
• Portfolio Management: visit delinquent cases, collect EMIs in collaboration with collections team
• Maintain and stop early delinquency and non-starter cases in the portfolio, deciding their treatment
• Maintain least OTC / PDD pendency and ensure timely clearance
• Maintain non-RPDC portfolio, ensuring all cases are ACH
• 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 tele-calling and self-sourcing
• Follow leads generated from telemarketing data
• 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 opinion based on customer interaction
• Clarify final ROI, fees, charges, and all other terms of the case to customers
• 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
• Conduct customer reference checks with sincerity and maturity, without hampering client goodwill or disclosing information

Requirements & Tech Stack

• Digital business apps and software
• Digital applications

Qualifications

• BFSI industry experience
• Experience in roles such as Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Regional language proficiency, verbal and written fluency, soft-spoken
• Valid Two-Wheeler Driving License
• Personal 2-wheeler
• Own Smartphone

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

Required Knowledge

• Aptitude for lead generation
• Target Market Knowledge - Local Area geography familiarity
• Detailed data collection/recording

Required Skills

• Professional Communication
• 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

Work Environment Details

• 90% - Field, 10% - Office

Specific Requirements

• Travel: High
• Vehicle: 2-wheeler

Other Details

• Contract Types: Permanent
• Time Constraints: Flexible work hours as per business requirement
• 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)