Sales Officer Home Loan

AU Small Finance Bank Limited

Key Responsibilities

• Understand and align with the company’s core business philosophy, methodology, and product-pricing strategy.
• Identify and assess potential business opportunities within the designated market.
• Generate qualified business leads through various sourcing channels such as OEM exchange outlets, used vehicle dealers, commercial associates, and referrals.
• Achieve monthly, quarterly, and annual volume and value targets as per defined performance metrics.
• Assess customer profiles, collect and validate documentation, and recommend proposals for credit approval.
• Ensure the empanelment and regular servicing of sourcing channels to maintain a steady flow of business.
• Prospect and convert both new and existing customers to generate incremental sales.
• Maintain and manage relationships with all sourcing channels to sustain business generation.
• Ensure timely collection of post-disbursement documents and monitor deferrals to minimize operational risks.
• Responsible for collections during the initial six months from self-sourced customers to ensure healthy portfolio performance.
• Conduct asset verification and track early default or non-starter cases for appropriate action.
• Meet individual business thresholds and targets consistently on a monthly basis.
• Deliver timely and efficient customer service, fostering strong relationships to promote repeat and referral business.

Additional Responsibilities

• Execute the company's product and pricing strategy effectively in day-to-day operations.
• Build and maintain strong relationships with sourcing partners including dealers, commercial associates, and referral agents.
• Provide prompt and professional responses to customer service requests and ensure high levels of customer satisfaction.
• Act as a brand ambassador by promoting the company’s values and maintaining a professional presence in the market.
• Ensure all customer interactions and documentation are handled in compliance with internal policies and regulatory requirements.
• Monitor and report any deviations in the onboarding process, documentation gaps, or operational risks to the appropriate teams.
• Support internal audits, compliance reviews, and asset verification activities as required.
• Gather market intelligence and share feedback with relevant teams to help refine products, pricing, and sourcing strategies.
• Promote ethical sales practices and contribute to a healthy and collaborative team culture.
• Maintain accurate records of interactions, leads, and closures in the company’s CRM or reporting systems.

Requirements & Tech Stack

• Handling delinquent accounts, managing bucket-collections as per line of business.
• Familiarity with Digital applications.
• Target Market Knowledge - Local Area geography familiarity.
• Ability to do detailed data collection/recording.
• CRM or reporting systems.

Qualifications

• Product/domain knowledge.
• Regional language proficiency, verbal and written fluency, soft-spoken.
• Relationship Management - Client-Centric Approach, respectful.
• Business tact & Negotiations - resolving Conflict.
• 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.
• Positive reference check and clear civil report.

Work Environment Details

• 90% - Field, 10% - Office.
• High travel requirement.

Other Details

• Contract Type: 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 (e.g., ID Card, SIM, Marketing material, digital devices, Receipt book).
• Share timely customer feedback with sourcing channels.
• Submit Daily Call Report (DCR) by end of day.

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.