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
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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
-
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
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
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MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
Graduate,preferably in commerce and related streams
Experience
1year experience, preferably in sales
Certifications
FunctionalSkills
- Basicknowledge on retail banking products
- Documentationskills
- Processcompliance focus
- Communicationskills: fluent in the local language
BehavioralSkills
- Courteouscustomer service skills
- TimeManagement
- Sellingskills
- Telephoniccold calling skills
- Willingnessto travel & relocation as per business requirements andcareer opportunities
Competencies
- Planning& Organizing
- DrivingExecution
- ManagingRelationships
- CustomerFocus
- KEYINTERACTIONS
INTERNAL
EXTERNAL
- BranchTeam Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team
- RegionalProduct & Marketing team
- StateHR
Location - Hosur , Tirupathur , Vellore , Dharmapuri , Palacode , Ambur , Erode , Tiruvannamalai , Coimbatore , Arcot , Gobichettipalayam , Paramathi-Velur , Paramathi , Ramanathapuram , Udumalaipettai , Tiruppur , Puducherry , Sathyamangalam , Paravur , Paravoor , Cherthala , Cuddalore , Gudalur , Coonoor , Ooty , Thrissur , Kunnamkulam , Thiruvaiyaru , Thanjavur , Tiruchirapalli , Mannargudi , Karunagappally , Mayiladuthurai , Sivakasi , Rasipuram , Namakkal , Aruppukkottai , Tirunelveli , Nagercoil , Chennai , Kottayam , Kozhikode , Thiruvananthapuram , Perambalur , Nagar , Kannur , Salem , Mylapore , Thiruvallur , Mettupalayam , Alleppey , Kollam , Panruti , Virudhachalam , Kottarakkara , Dharapuram
