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ROLEPURPOSE & OBJECTIVE
Theincumbent will be primarily responsible to -
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Acquirenew customers for liabilities from open market
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Assistthe CRS - unsecured loans for conversion of existing borrowingcustomers for liabilities
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Enhancethe relationship with the existing customers by cross-sellingproducts and services as per the profile & need of thecustomers
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Train/assistcustomers to use ATM and BCs; drive usage of alternate channels
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SIZEOF THE ROLE
FINANCIALSIZE
NON-FINANCIALSIZE
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Targetassigned as per the branch
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CASABook as per the branch
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TDBook as per the branch
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Segmentwise book (NR, Senior Citizen, HNI etc) as per the branch
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KEYDUTIES & RESPONSIBILITIES OF THE ROLE
Business
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Meetthe set targets on liabilities in terms of open marketacquisition & existing customer conversion
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Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels:
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Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter
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AccompanyCRS-Unsecured loans on the field for actively driving conversionof existing borrowing customers into liabilities customer
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Crosssell other secured loan products of Ujjivan and pass qualityleads to respective loan officers
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Sharecustomer insights/product related feedback with the Sales Manager- Liabilities
Customers
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Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services
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Reducecustomer dormancy and customer attrition by continuous engagement/ interaction
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Resolvesthe customer queries on various accounts, FD / RD, remittances &third party product
InternalProcesses
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Guidethe customer to fill the Account Opening Form;ensure receipt and verification of KYC documents; obtain customersignatures on all mandatory documents
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Strictlyadhere & maintain compliance to KYC norms
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Drivethe usage of alternate channels such as ATMs, BCs and assistcustomers to use ATMs for dispensing cash
Learning& Performance
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Maintainup to date knowledge of the liabilities products and services aswell as a working knowledge of other products offered in thebranch
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Resolvequeries raised by CRS-unsecured loans w.r.t liability productsand support them in selling liabilities
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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
BehavioralSkills
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Courteouscustomer service skills
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TimeManagement
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Sellingskills
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Telephoniccold calling skills
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Willingnessto travel & relocation as per business requirements andcareer opportunities
Competencies
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Planning& Organizing
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DrivingExecution
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ManagingRelationships
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CustomerFocus
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KEYINTERACTIONS
INTERNAL
EXTERNAL
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BranchTeam Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team
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RegionalProduct & Marketing team
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StateHR
Location - Bailhongal , Bengaluru , Bannerghatta , Belgaum , Ballari , Bhadravati , Bijapur , Challakere , Chikkaballapura , Chintamani , Chitradurga , Davangere , Dharwad , Gadag , Goa , Kalburagi , Hassan , Haveri , Hospet , Hosakote , Jamkhandi , Kothamangalam , Maddur , Magadi , Malkajgiri , Mangaluru , Mapusa , Medchal , Mysuru , Nagar , Nelamangala , Peenya , Puttur , Thrissur , Ramanujnagar , Rajanagaram , Shimoga , Sira , Tiptur , Tiruchirapalli , Tumkur , Udupi , Vasco Da Gama,Yelahanka
