Senior 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 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 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 verification.
• Conduct physical verification of credit-related documents (ITR, Bank statement, receipts, ledger, property documents) and perform OSV (Original Seen and Verified) of documents.
• 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 and 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.
• 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 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 on time.

Additional Responsibilities

• Provide a 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, visiting properties, and taking photos with customer permission.
• Conduct customer reference checks with utmost sincerity and maturity, without hampering client goodwill or disclosing financial/personal information.

Requirements & Tech Stack

• BFSI industry experience.
• Familiarity with Digital applications.
• Experience with Sales Forecasting & Reporting.
• Regional language proficiency, verbal and written fluency, soft-spoken.
• Valid Two-Wheeler Driving License.
• Personal 2-wheeler.
• Own Smartphone.

Qualifications

• 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.
• Track record of past employment.
• Positive reference check and clear civil report.
• Ownership and accountability for results.
• Customer-centric mindset and actions.
• Adept at handling digital business apps and software.
• 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.

Other Details

• Contract Type: Permanent.
• Work Hours: Flexible work hours as per business requirement.
• Travel: High.
• Vehicle: 2-wheeler required.
• Compliance: Adherence to Code of Conduct policy, non-disclosure of confidential information, responsible handling of bank assets (ID Card, SIM, marketing material, digital devices, receipt book).