GRADE
DEPARTMENT
REPORTS TO -
ROLE PURPOSE & OBJECTIVE
The incumbent 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
SIZEOF THE ROLE
FINANCIALSIZE
NON-FINANCIALSIZE
- Targetassigned as per the branch
- CASABook as per the branch
- TDBook as per the branch
- Segmentwise book (NR, Senior Citizen, HNI etc) as per the branch
- Numbertarget for all the respective products.
- CA
- SA
- TD
KEY DUTIES & 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
InternalProcesses
- 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
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational Qualifications
- Graduate,preferably in commerce and related streams
Experience
- 3+years experience, preferably in sales
Certifications
Functional Skills
- Basic knowledge on retail banking products
- Documentation skills
- Process compliance focus
- Communication skills: fluent in the local language
Behavioral Skills
- Courteouscustomer service skills
- TimeManagement
- Sellingskills
- Telephoniccold calling skills
- Willingnessto travel & relocation as per business requirements andcareer opportunities
Competencies
- Planning& Organizing
- DrivingExecution
- ManagingRelationships
- CustomerFocus
KEY INTERACTIONS
INTERNAL
EXTERNAL
- BranchTeam Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team
- RegionalProduct & Marketing team
- StateHR
Location - Bengaluru,Channapatna,Rajanagaram,Hosur,Krishnagiri,Davangere,Chitradurga,Tirupathur,Vellore,Gadag,Dharmapuri,Palacode,Erode,Tiruvannamalai,Coimbatore,Salem,Arcot,Gobichettipalayam,Paramathi-Velur,Paramathi,Ramanathapuram,Mettupalayam,Udumalaipettai,Tiruppur,Dharapuram,Ernakulam,Kochi,Puducherry,Sathyamangalam,Periyakulam,Theni,Paravur,Paravoor,Vaikom,Cherthala,Dindigul,Panruti,Cuddalore,Virudhachalam,Coonoor,Alleppey,Thrissur,Vasco Da Gama,Kunnamkulam,Thiruvaiyaru,Thanjavur,Kumbakonam,Tiruchirapalli,Mannargudi,Karunagappally,Thiruvarur,Kottarakkara,Mayiladuthurai,Rajapalayam,Kanchipuram,Sivakasi,Ambasamudram,Rasipuram,Namakkal,Tenkasi,Sankarankoil,Aruppukkottai,Tirunelveli,Nagercoil,Madurai,Chengalpattu,Tambaram,Chennai,Kottayam,Kozhikode,Thiruvananthapuram,Thiruvalla,Pathanamthitta,Perambalur,Nagar,Medchal,Malkajgiri,Rangareddy,Hyderabad,Kannur,Madhwapur,Vijayawada,Visakhapatnam,Rajahmundry,Mylapore,Adyar,Kollam,Thiruvallur,Palakkad,Ballari,Ooty,Attur,Pattukkottai,Cumbum,Kallakkurichi,Bodinayakanur,Gudalur,Gingee,Viluppuram,Ottappalam,Kovilpatti,Thoothukudi,Udupi,Shrirangapattana,Mysuru,Yelahanka,Marthandam,Kanniyakumari
