Financial Inclusion Officer

ROLE PURPOSE & OBJECTIVE

• This profile is directly responsible for business generation, customer acquisition and customer servicing for Deposit Products, Digital channels and Third Party Insurance products
• The profile role includes cross-selling to existing customers as well as acquisition of new customers through referral and family banking
• Offer and onboard customers on CASA and Term deposit products to customer, their family members and their references.
• Offer and onboard customers on Digital platforms including Mobile banking, UPI, UPI QR and download of Hello Ujjivan.

• Deliver prompt customer services; be accessible to customers at all times for Digital Banking and Deposit Product queries.

• SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Approx 2 Cr. Deposit

• CASA, FD, RD & TPP (Product & Services)

• KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Meet the set targets for overall Liability, TPP and Digital Initiatives in terms of Family Banking (Open Market) acquisition.
• Convert Group Loan, Individual Loan customers, their family members and referrals for available Liability, TPP and Digital Initiatives product in the branch.
• Open CASA and ensure customers are maintaining Monthly Average Balance for opted CASA.
• Actively source term deposits (FD and RD) to Family members of GL customers.
• Offer suitable Insurance products to customer and family members to provide adequate insurance coverage
• Onboard customers on digital channels including Mobile banking, UPI, UPI QR and Hello Ujjivan
• Ensure digital adaptation for mapped customers.
• Share customer insights/product related feedback with the CRM

Customer (Both Internal & External)

• Meeting customers regularly and cross selling of overall Liability, TPP and Digital Initiatives.
• Meeting customers regularly and providing services related to overall Liability, TPP and Digital Initiatives.
• Ensure customers and Family members are educated about entire bouquet of banking products (CASA, TPP, TD and Digital Initiatives) offered by Ujjivan.
• Engage with customers for other account related activity like conversion for Dormant account to inactive account, linking of DBT etc.,
• Converting existing family banking leads and providing the leads to respective business function to cross selling of other available secured loans in Ujjivan.
• Money Mitra assisting CRM in managing BC arrangements including Money Mitra and others.
• Assisting customers for digital channels usage like ATM Card, Mobile Banking, UPI, Missed-call banking, Hello Ujjivan etc.
• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
• Ensure timely insurance claim settlement for his/her customers
• Resolve customer queries/ pertaining to Family Banking and digital channels within specified timelines.

Internal Process

• Compliance to SLA/Policies/Processes
• Adhering to compliance and quality guidelines in all the documentation and forms
• Analyze existing customer profile, leads shared and fill customer profile in AOF with accurate details, routinely check with concerned authorities for any re-work needed in already submitted AOFs.
• Ensuring no form pendency for sourced customers by regular follow up with branch ops team.
• Help to conduct the CSR activities and motivates customers to participate in the Financial & Digital Literacy Programs
• Give the detailed field reports to CRM and discuss field related issues.
• Pro-actively participate, facilitate and drive any new Digital initiative taken by the bank
• Assist branch staff CRO, LO in adopting all the digital initiatives of the bank for Loans as well as deposit products

Innovation & Learning

• Being up to date about all the new digital initiatives of the bank
• Maintain up to date knowledge of overall Liability, TPP and Digital Initiatives and processes as well as a working knowledge of other available products offered in the branch.
• Ensure adherence to training man-days/ mandatory training programs for self

• Be up to date with any new process implementation initiative taken by the bank.

• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate in related subjects with good analytical and sales skills to be considered.

Experience(Years and Core Experience Type)

• 0-1 year experience for Graduates Field Experience preferably in product sales, banking

Certifications

• If required

Functional Skills

• Fluent in regional language and English
• Strong communication skills
• Good Interpersonal skills
• Sales skills
• Willingness & Attitude to travel and do field activities Must have a two-wheeler for field visits
• Outgoing attitude with ability to engage with customers
• Should be an active smartphone user with understanding of digital platforms in personal life (e.g. Social
• Media, UPI, wallets, banking apps, ATM, POS)
• Aware user of basic office tools like Email, Word, Excel, power point

Behavioral Skills

• Effective Communication both oral and in written
• Interpersonal skills
• Multiple product selling skills

Competencies

• Building Relationship
• Driving Change
• Planning & Organizing

• Collaboration

• KEY INTERACTIONS

INTERNAL

EXTERNAL

• Micro banking Staff CRM, ACRM, CRO, LO
• Branch operations team
• Other branch staff CCR and Sales Officers

• Regional product team

• Customers and their referral and family members

• Insurance partner Sales staff
• Money Mitra and other BC Arrangements