Sales Officer LAP

About the Role

AU Small Finance Bank is seeking a Sales Officer LAP to generate fresh business and service existing clients. This role involves significant field work.

Key Responsibilities

• Achieve assigned targets for sales and regular collection.
• Conduct marketing activities (leafleting, canopy, etc.) to identify new business sources.
• Handle customer queries, build customer relationships, and develop brand value.
• Provide resolution for customer queries.
• Coordinate with Operations & Collection departments for customer onboarding and servicing.
• Conduct physical verification of customer's residence, business, and assets, including taking photographs.
• Follow instructions from seniors and coordinate with internal teams for visit reports.
• Visit customers for initial field investigation (FI) and meetings, and accompany seniors on visits and verifications.
• Conduct physical verification of credit-related documents (ITR, Bank statement, receipts, ledger, property documents) with Original Seen and Verified (OSV).
• Prepare basic Credit Appraisal Memos (CAM).
• Conduct customer reference checks from the local market and existing customers.
• Adhere to bank policies and procedures.
• Manage the portfolio, visit delinquent cases, and collect EMIs in collaboration with the collections team.
• Maintain and prevent early delinquency and non-starter cases in the portfolio, deciding on appropriate treatment.
• Minimize Original Takeover (OTC) / Pending Document (PDD) pendency and ensure timely clearance.
• Maintain a non-Return Premium Dishonor Cheque (RPDC) portfolio, ensuring all cases are ACH (Automated Clearing House).
• Collect fresh EMIs for bouncing cases with charges as per policy.
• Correct operational errors and ensure 100% repayment in Non-PDC mode.
• Collect fresh data from open marketing activities for tele-calling and self-sourcing.
• Follow up on leads generated from telemarketing team data.
• Complete documentation, file agreements, formats, and other formalities for disbursement.
• Clear queries from credit, operations, legal, and valuation teams.
• Submit daily MIS and sourcing data to the reporting authority.

Additional Responsibilities

• Provide true and fair opinions based on customer interactions.
• Clarify final ROI, fees, charges, and all other case terms for customers.
• Do not engage in any financial/non-financial transactions with customers.
• Maintain decency and good behavior when dealing with customers and visiting properties, especially while taking photos with customer permission.
• Conduct customer reference checks with sincerity and maturity, without compromising client goodwill or disclosing financial/personal information.

Requirements & Tech Stack

• Digital business apps and software
• Smartphone
• Personal 2-wheeler
• Valid Two-Wheeler Driving License

Qualifications

Educational Qualifications Preferred: Degree

Required Work Experience

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

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
• Eagerness 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
• Familiarity with Digital applications
• Detailed data collection/recording

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

Work Environment Details

• 90% - Field, 10% - Office

Specific Requirements

• 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 the bank and clients
• Responsible handling of bank assets (ID Card, SIM, Marketing material, digital devices, Receipt book, etc.)