Sales officer

19 hours ago


Haveri Tiruvannamalai Viluppuram, India Ujjivan Small Finance Bank Full time ₹ 6,00,000 - ₹ 12,00,000 per year

ROLEPURPOSE & OBJECTIVE

Theincumbent will be primarily responsible to -

  • Acquirenew customers for liabilities from open market
  • Assistthe CRS - unsecured loans for conversion of existing borrowingcustomers for liabilities
  • Enhancethe relationship with the existing customers by cross-sellingproducts and services as per the profile & need of thecustomers
  • Train/assistcustomers to use ATM and BCs; drive usage of alternate channels

FINANCIALSIZE

NON-FINANCIALSIZE

  • Managingthe Liability Book of the branch (Open Market CA SA TD) Approximately 2.5 Cr

  • LiabilitiesCustomers handling

  • Numberof portfolio products- CASA, TD

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

  • Meetthe set targets on liabilities in terms of open marketacquisition & existing customer conversion
  • Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels:

  • Leadsgenerated by branch staff and personal leads

  • Referralsgenerated from existing customers
  • Alternatechannels

  • Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter

  • AccompanyCRS-Unsecured loans on the field for actively driving conversionof existing borrowing customers into liabilities customer
  • Crosssell other secured loan products of Ujjivan and pass qualityleads to respective loan officers
  • Sharecustomer insights/product related feedback with the Sales Manager- Liabilities

Customers

  • Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services
  • Reducecustomer dormancy and customer attrition by continuous engagement/ interaction
  • Resolvesthe customer queries on various accounts, FD / RD, remittances &third party product

Internal Processes

  • Guidethe customer to fill the Account Opening Form;ensure receipt and verification of KYC documents; obtain customersignatures on all mandatory documents
  • Strictlyadhere & maintain compliance to KYC norms
  • Drivethe usage of alternate channels such as ATMs, BCs and assistcustomers to use ATMs for dispensing cash

Learning& Performance

  • Maintainup to date knowledge of the liabilities products and services aswell as a working knowledge of other products offered in thebranch
  • Resolvequeries raised by CRS-unsecured loans w.r.t liability productsand support them in selling liabilities
  • Ensureadherence to training man-days/ mandatory training programs forself
  • Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

  • Graduate,preferably in commerce and related streams

Experience

  • yearexperience, preferably in sales

Certifications

  • AMFI/ IRDA Certified

FunctionalSkills

  • Basicknowledge on retail banking products
  • Documentationskills
  • Processcompliance focus
  • Communication skills: fluent in the local language

BehavioralSkills

  • Courteouscustomer service skills
  • TimeManagement
  • Sellingskills
  • Telephoniccold calling skills
  • Willingnessto travel & relocation as per business requirements and career opportunities

Competencies

  • Planning& Organizing
  • DrivingExecution
  • ManagingRelationships
  • CustomerFocus

KEYINTERACTIONS

INTERNAL

EXTERNAL

  • BranchTeam Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team
  • RegionalProduct & Marketing team
  • StateHR

  • BCAgents



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