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 getting visit reports done
• Visit customers for first FI and meetings, and accompany seniors to customer's place for visits and verifications
• 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 checks of customers from the local market and existing customers
• Follow policies & procedures as laid down by the bank
• Portfolio Management: visit delinquent cases, collect EMIs of delinquent cases in collaboration with the collections team
• Maintain and stop early delinquency and non-starter cases in the portfolio, and decide the treatment of such cases wisely
• Maintain least OTC / PDD pendency and ensure timely clearance
• Maintain non-RPDC portfolio – ensure all cases of the portfolio are ACH
• Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy
• Correct operational errors and get 100% cases repayment in Non-PDC mode
• Collect fresh data from open marketing activities for telecalling 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.
• 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 for customers
• Maintain decency and good behavior while dealing with the customer and visiting property, especially while taking photos of the house and surroundings with the customer's permission
• Conduct customer reference checks with utmost sincerity and maturity – client goodwill should not be hampered; do not disclose any financial or personal information of existing/new clients with any third party

Requirements & Tech Stack

• Digital business apps and software
• Local Area geography familiarity
• Familiarity with Digital applications

Qualifications

• Aptitude for lead generation
• Professional Communication: Regional language proficiency, verbal and written fluency, soft-spoken
• Relationship Management: Client-Centric Approach, respectful
• Sales Forecasting & Reporting
• 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

Experience

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

Key Performance Indicators

• Business Volume
• Average Ticket size
• Boarding rate

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

Work Environment Details

• 90% - Field, 10% - Office
• Travel: High
• Vehicle: 2-wheeler
• 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 the bank and clients
• Responsible handling of bank assets (e.g., ID Card, SIM, Marketing material, digital devices, Receipt book)