Sales Officer

Sales Officer / Senior Sales Officer

**Business Unit: Domain **HL

**Location**:
**Band/Grade**

**Department**:Sales **Degree of travel required **Extensive and local

**Purpose of Job**:Piramal is hiring Sales Officers for its retail business. The incumbent would be primarily responsible for achieving the sales targets for Home Loan along with the related cross-sell targets.

**External Internal**
**Key Stakeholders**:

- Customers **Sales, Credit**:

- Channels Operations
- Sales personnel at builder **Customer Service Teamlocations **Collections Team
- MDU/small time developers

**Role directly reports to Positions that reports into this **Reporting Structure: role **Sales Manager NA
**Essential ** **Graduate from a reputed college.**Qualifications: *
- 0 to 5 years experience in HFC or Mortgage Industry in the affordable

**Essential **/mass affluent market.**Experience**:
**Ability to liaison & follow-up with customers, channels and internal stakeholders. ** Good written & verbal communication skills
- Ability to work under tight deadlinesKey Roles/Responsibilities:

- Responsible for empanelment of channel and acquiring the customers for Home Loan from open market and developer relationships.
- Responsible for ensuring the adherence of KYC documents as per the guidelines by the company.
- Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time.
- Responsible for establishing the Piramal brand and managing the sales and business development activities for Home Loans with focus on affordable / mass affluent segment in the assigned hub location.
- The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY.
- Responsible for ensuring the proper completion of the files within timeline as per the company checklist.

Contd
- Responsible for ensuring the proper closure of disbursement documentation within the timeline.
- Responsible for communicating the reasons for rejection to the customer whose file has been rejected.
- Adherence to the organizations policies and procedures and compliance with legal and regulatory requirements
- Responsible for training, development and activisation of channels and release of channel payments on time.
- Responsible for maintaining the existing relationship with builders for APF & bulk sales.
- Responsible for sourcing of builder project files and getting their project approval done by the organization.
- Ensure excellent customer service which includes query resolution of the customer, completion of the task within the given TAT, after sales service, handling of complaints and customer retention.
- Ensuring the ownership of early delinquencies and working closely with the Collection and Credit team.
- Ensuring active participation with Operations team for resolving PDD (Post disbursal document) Issues.

Key Performance Indicators:

- Disbursement Value and numbers
- Insurance cross-sell
- Channel Activation
- Sourcing Qualities
- Audit Scores
- Learning and Development of self and channel
- Customer Service

Core Competencies:

- **Execution & Delivery**

Result oriented, ensures operational excellence in areas of responsibility and delivers best results. Takes active ownership of problems and provide timely and result focused solutions. Remains outcome-driven.
- **Accountability**

Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams.
- **Collaboration**

Fosters a culture of trust, collaboration and support. Works collaboratively both within one’s own function and across functions to achieve company’s goals.
- **Effective Communication**

Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback.
- **Customer Service Orientation**

Develops and maintains strong external and internal customer relationships by identifying and anticipating customer needs and responding to them by maintaining long term relationships.

**Job Types**: Full-time, Fresher

**Salary**: ₹15,000.00 - ₹25,000.00 per month

**Benefits**:

- Cell phone reimbursement
- Health insurance
- Life insurance
- Paid sick time
- Provident Fund

Day range:

- Monday to Friday

Shift:

- Day shift

Supplemental pay types:

- Bonus pay
- Performance bonus
- Yearly bonus

Travel requirement:

- Up to 50% travel

Ability to commute/relocate:

- Dharwad, Karnataka: Reliably commute or planning to relocate before starting work (required)