Bank Officer Business Account

AU SMALL FINANCE BANK

Key Responsibilities

• Acquire CASA and liability accounts through cold calling, market references, and walk-ins.
• Drive cross-selling of banking products and services to existing and new customers.
• Promote and sell third-party financial products including life insurance, health insurance, and mutual fund SIPs.
• Achieve monthly and quarterly sales targets as defined in the performance scorecard.
• Ensure growth in customer base and deepening of existing relationships through effective portfolio management.

Additional Responsibilities

• Implement branch-level sales and marketing activities to support overall business growth and brand visibility.
• Drive liability acquisition by building and maintaining strong customer relationships.
• Source new customers through multiple channels including local campaigns, walk-ins, customer referrals, industry associations, and market networking.
• Ensure timely and accurate opening of accounts, providing a seamless onboarding experience for new-to-bank (NTB) customers.
• Support overall branch performance by contributing to both customer service and compliance standards.
• Maintain high levels of customer satisfaction and ensure prompt resolution of queries or issues.
• Ensure adherence to internal processes, audit requirements, and regulatory guidelines.

Requirements & Tech Stack

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Familiarity with Digital applications
• Detailed data collection/recording

Qualifications

• Educational Qualifications: Bachelor of Applied Science (BASc), Bachelor of Architecture (BArch), Bachelor of Arts (BA), Bachelor of Business Administration (BBA), Bachelor of Commerce (BCom), Bachelor of Education (BEd), Bachelor of Engineering (BE), Bachelor of Fine Arts (BFA), Bachelor of Laws (LLB) with specialization in Banking and Financial Support services, Banking, corporate, finance and securities law.
• Required Work Experience: 0 to 3 years.
• Required Competencies:
• 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.
• Required Knowledge:
• Aptitude for lead generation.
• Target Market Knowledge - Local Area geography familiarity.
• 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.
• Valid Two-Wheeler Driving License.
• Personal 2-wheeler.
• Own Smartphone.
• Track record of past employment.
• Positive reference check and clear civil report.

Work Environment Details

• 90% - Field, 10% - Office.
• Travel: High.
• Vehicle: 2-wheeler.

Other Details

• Contract Types: Permanent.
• Time Constraints: Flexible work hours as per business requirement.
• Compliance Related:
• 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).
• Ensure adherence to KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines during all customer onboarding and account-opening processes.