Sales Officer rural Banking(New) ka

**Sales officer_Rural Banking(New)_KA & TN**:
Multiple locations
- Department
- SOUTH BUSINESS
- Job posted on
- Jul 03, 2025
- Employment type
- Permanent- POSITION DESCRIPTION
- JOB TITLE
- Sales Officer
- GRADE
- DM-I
- DEPARTMENT
- Rural Banking
- LOCATION
- Branch
- SUB-DEPARTMENT
- TYPE OF POSITION
- Full-time
- REPORTS TO
- Branch Manager
- REPORTING INTO
- NA- ROLE PURPOSE & OBJECTIVE
- The incumbent will be primarily responsible to
- Acquire new customers for liabilities from open market- Assist the CRS - unsecured loans for conversion of existing borrowing customers for liabilities- Enhance the relationship with the existing customers by cross-selling products and services as per the profile & need of the customers- Train/assist customers to use ATM and BCs; drive usage of alternate channels- SIZE OF THE ROLE
- FINANCIAL SIZE
- NON-FINANCIAL SIZE- Managing the Liability Book of the branch (Open Market CA SA TD) - Approximately 2.5 Cr- Liabilities Customers handling- Number of portfolio products
- CASA, TD- KEY DUTIES & RESPONSIBILITIES OF THE ROLE

**Business**- Meet the set targets on liabilities in terms of open market acquisition & existing customer conversion- Understand need and acquire customers who meet the criteria for liability products through either of the below channels:
- Leads generated by branch staff and personal leads-
- Referrals generated from existing customers-
- Alternate channels-
- Maintain the database of the prospects, meet select prospects and manage the relationship thereafter- Accompany CRS-Unsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customer- Cross sell other secured loan products of Ujjivan and pass quality leads to respective loan officers- Share customer insights/product related feedback with the Sales Manager - Liabilities

**Customers**- Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services- Reduce customer dormancy and customer attrition by continuous engagement / interaction- Resolves the customer queries on various accounts, FD / RD, remittances & third party product

**Internal Processes**- Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents- Strictly adhere & maintain compliance to KYC norms- Drive the usage of alternate channels such as ATMs, BCs and assist customers to use ATMs for dispensing cash

**Learning & Performance**- Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch- Resolve queries raised by CRS-unsecured loans w.r.t liability products and support them in selling liabilities- Ensure adherence to training man-days/ mandatory training programs for self
- Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
- Educational
- Qualifications- Graduate, preferably in commerce and related streams
- Experience- year experience, preferably in sales
- Certifications- AMFI / IRDA Certified
- Functional Skills
- Basic knowledge on retail banking products
- Documentation skills
- Process compliance focus- Communication skills: fluent in the local language
- Behavioral Skills
- Courteous customer service skills
- Time Management
- Selling skills
- Telephonic cold calling skills- Willingness to travel & relocation as per business requirements and career
- opportunities
- Competencies- Planning & Organizing- Driving Execution- Managing Relationships- Customer Focus- KEY INTERACTIONS
- INTERNAL
- EXTERNAL- Branch Team - Unsecured Loans (CRM, CRS); Secured Loans (Loan Officers); Operations team- Regional Product & Marketing team- State HR- BC Agents
- PREPARED BY: Alok Sharma
- DATE: 20-02-2024
- REVIEWED BY: Murali Chari
- DATE: 21-02-2024
- LAST UPDATED BY: TM Team
- DATE: 21-02-2024