Financial Services Associate

Job Description

Role and Responsibilities: Cross-Selling Financial Products: Proactively monitor Home Loan (HL) data to identify opportunities for cross-selling insurance products (both HDFC Life and Non-Life), fixed deposits, and other financial products to home loan customers of HDFC Sales. Business Sourcing & Target Achievement: Generate new business through open market sourcing in addition to leveraging internal leads. Consistently meet or exceed assigned sales targets. Product & Market Knowledge: Maintain in-depth knowledge of all products offered by the company. Stay updated on competitors offerings to effectively address and overcome customer objections. Customer Profiling & Need-Based Selling: Conduct thorough profiling during customer interactions (calls or visits) to understand financial needs and recommend suitable investment and insurance solutions. Collaboration with Home Loan Executives: Build strong relationships with mapped Home Loan Executives (HLEs). Conduct joint customer calls with HLEs to maximize cross-selling at the time of loan disbursement. Holistic Customer Relationship Management: Foster long-term relationships with customers by addressing their broader financial needs. Capture and manage customer details including family, insurance, and loan information for future engagement. Partner Coordination: Work closely and in sync with partner representatives to ensure seamless customer servicing and business generation. Shared Customer Ownership: Acknowledge joint ownership of customer relationships, ensuring consistent servicing and support. Business Renewal & Compliance: Ensure timely renewal of sourced business. Follow all defined sales processes and complete necessary training and certifications to remain compliant with regulations (insurance, mutual funds, etc.). Professionalism & Presentation: Maintain a professional appearance and ensure the sales kit is well-organized and up-to-date at all times. Work Ethic & Company Culture: Demonstrate a "company-first" mindset and uphold respectful conduct towards colleagues, superiors, and partners.