Senior Sales Officer 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 in the market
• 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 credit point of view and taking photographs
• Follow instructions from seniors, coordinate with internal teams for getting visit reports done
• Visit customers for first FI and meeting, and also 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 - doing OSV (Original Seen and verified) of documents
• Prepare basic CAM (Credit Appraisal Memo)
• Take reference check of customers from 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 collections team
• Maintain and stop early delinquency, Non-starter cases in portfolio, decide the treatment of such cases wisely
• Maintain least OTC / PDD pendency and ensure timely clearance of the same
• Maintain non-RPDC portfolio - ensure all cases of portfolio are ACH
• Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy
• Correct the 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 so generated from data received from 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 to reporting authority

Additional Responsibilities

• Provide true and fair opinion based on customer's interaction
• Clarify final ROI, Fees, Charges, and all other terms of the case
• Maintain decency and good behaviour while dealing with the customer, visiting property, especially while taking photos of the house and surroundings with permission of the customer
• Conduct customer reference checks with utmost sincerity and maturity - goodwill of the client should not be hampered - not disclose any financial or personal information of existing / new clients with any or any 3rd party

Requirements & Tech Stack

• Local Area geography familiarity
• Familiarity with Digital applications
• Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken
• Relationship Management - Client-Centric Approach, respectful
• Sales Forecasting & Reporting

Qualifications

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Years of experience: 0 to 3
• 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

Key Performance Indicators

• Business Volume
• Average Ticket size
• Boarding rate

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

Work Environment Details

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

Other Details

• Contract Types: Permanent
• Flexible work hours as per business requirement
• Adherence to Code of Conduct policy of the bank
• Non-disclosure of confidential information about bank, clients
• Responsible handling of bank assets