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Retail Assets
2 months ago
Department
- Retail Assets - Gold Loan
- Job posted on
- Aug 21, 2023
- Employee Type
- Permanent-Sales Vertical
- Experience range (Years)
- 1 year - 3 years
**Group Company**: HDFC Bank Limited
**Designation**: Retail Assets - Gold Loan - Sales officer
**Position description**:
Responsible for sourcing business for the Gold Loan team
**Primary Responsibilities**:
- Sourcing Business
- Solely responsible to source business through open market
- Need to create database of potential customers using lead generation tools
- Will work in catchment area and seek out new sales opportunities for driving revenue
- Relationship with customers:
- Sales Officer need to build and develop good relation with customer’s and cater their gold loan needs according the requirement
- Need to sustain long-lasting relations with customers to focus more renewals of loan.
- Promotional Activities:
- Need to generate more business for team by conducting promotional activities like distribution of leaflet, canopy activity, ATM activities
- Need to conduct activities in residential & industrial places to create awareness of Gold loan amongst people.
- Cross Selling:
- Login FTR files at Local Ops/RAOPS
- Follow up with the Local Ops/RAOPS and ensure all cases are disbursed timely and not screwed towards the end of the month.
**Additional Responsibilities**:
- Processing Rights:
- Will be having rights of maker in LOS and has to initiate transaction in the system
- Sales officer will be signatory to the documents pertaining to the loan and mandatory presence is required during the processing of loan
- He is also construed as a pseudo custodian for the entire transaction
- Need to ensure all KYC copies are checked with originals and signed OSV, if required need to collect documents from customer’s residence as per policy requirement
**Educational qualifications preferred**
- **Category**: Bachelor's Degree, Master's Degree
- **Academic score**: 50% +
**Required work experience**
- **Industry**: BFSI
- **Role**: Sales
- **Years of experience**: 1 to 3
**Required Knowledge**:
Work experience in the profile
**Required Skills**:
- Good Team spirit
- Inter personal skill
- Time / Team Management
- Good communication skill
**Other**:
- Reporting Designation: Sales Manager - GL
- Reporting Department-Sub BU: Retail Assets - Gold Loan
**Specific requirements**
- **Travel**: Customer Visits
**Other details**
- **Contract Types**: PERMANENT
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