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Job details
Job ID
Job49883
Job description
Group Company: AU Small Finance Bank Limited
Designation: Sales Officer Home Loan
Office Location
Position description: Handling delinquent accounts, managing bucket-collections as per line of business
Primary Responsibilities
1. Understand and align with the company’s core business philosophy, methodology, and product-pricing strategy.
2. Identify and assess potential business opportunities within the designated market. 3. Generate qualified business leads through various sourcing channels such as OEM exchange outlets, used vehicle dealers, commercial associates, and referrals. 4. Achieve monthly, quarterly, and annual volume and value targets as per defined performance metrics. 5. Assess customer profiles, collect and validate documentation, and recommend proposals for credit approval. 6. Ensure the empanelment and regular servicing of sourcing channels to maintain a steady flow of business. 7. Prospect and convert both new and existing customers to generate incremental sales. 8. Maintain and manage relationships with all sourcing channels to sustain business generation. 9. Ensure timely collection of post-disbursement documents and monitor deferrals to minimize operational risks. 10. Responsible for collections during the initial six months from self-sourced customers to ensure healthy portfolio performance. 11. Conduct asset verification and track early default or non-starter cases for appropriate action. 12. Meet individual business thresholds and targets consistently on a monthly basis. 13. Deliver timely and efficient customer service, fostering strong relationships to promote repeat and referral business.
Additional Responsibilities
1. Execute the company's product and pricing strategy effectively in day-to-day operations.
2. Build and maintain strong relationships with sourcing partners including dealers, commercial associates, and referral agents. 3. Provide prompt and professional responses to customer service requests and ensure high levels of customer satisfaction. 4. Act as a brand ambassador by promoting the company’s values and maintaining a professional presence in the market. 5. Ensure all customer interactions and documentation are handled in compliance with internal policies and regulatory requirements. 6. Monitor and report any deviations in the onboarding process, documentation gaps, or operational risks to the appropriate teams. 7. Support internal audits, compliance reviews, and asset verification activities as required. 8. Gather market intelligence and share feedback with relevant teams to help refine products, pricing, and sourcing strategies. 9. Promote ethical sales practices and contribute to a healthy and collaborative team culture. 10. Maintain accurate records of interactions, leads, and closures in the company’s CRM or reporting systems.
Required Competencies: 1. ownership and accountability for results 2. Customer-centric mindset and actions 3. adept at handling digital business apps and software 4. hard work and detail-orientation 5. eager to learn and grow as a banking professional 6. positive mindset, ethical and high integrity 7. Bias for Action and Urgency
Required Knowledge: 1. Product/domain knowledge 2. Familiarity with Digital applications 3. Target Market Knowledge - Local Area geography familiarity 4. Ability to do detailed data collection/recording
Required Skills: 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2. Relationship Management - Client-Centric Approach, respectful 3. Business tact & Negotiations - resolving Conflict
Required abilities
Physical: 1. Physical fitness
2. Mental agility 3. Ability to do extensive field travel/work 4. Ability to handle work pressure and demanding clients
Other: 1. Valid Two-Wheeler Driving License
2. Personal 2-wheeler 3. Own Smartphone 4. track record of past employment 5. Positive reference check and clear civil report
Work Environment Details: 90% - Field, 10% - Office
Specific requirements
Travel: High
Vehicle: 2-wheeler
Work Permit:
Other details
Pay Rate:
Contract Types: Permanent
Time Constraints: Flexibile workhours as per business requirement
Compliance Related: 1. Aherence to Code of Conduct policy of the bank
2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc. 4. Share timely customer feedback with sourcing channels. 5. Submit Daily Call Report (DCR) by end of day.
