3 Market Acquisition Jobs

Position description: Acquire new customers for liabilities from open market Assist the CRS unsecured loans for conversion of existing borrowing customers for liabilities Enhance the relationship with the existing customers by crossselling products and services as per the profile and need of the customers Trainassist customers to use ATM and BCs drive usage of alternate channels Primary Responsibilities: Business Meet the set targets on liabilities in terms of open market acquisition and existing customer conversion Understand need and acquire customers who meet the criteria for liability products through either of the below channels Leads generated by branch staff and personal leads Referrals generated from existing customers Alternate channels Maintain the database of the prospects meet select prospects and manage the relationship thereafter Accompany CRS Unsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customer Cross sell other secured loan products of Ujjivan and pass quality leads to respective loan officers Share customer insightsproduct related feedback with the Sales Manager LiabilitiesCustomersInteract with customers in a courteous and professional manner provide prompt efficient and accurate services Reduce customer dormancy and customer attrition by continuous engagement interaction Resolves the customer queries on various accounts FD RD remittances and third party productInternal Processes Guide the customer to fill the Account Opening Form ensure receipt and verification of KYC documents obtain customer signatures on all mandatory documents Strictly adhere and maintain compliance to KYC norms Drive the usage of alternate channels such as ATMs BCs and assist customers to use ATMs for dispensing cashLearning and Performance Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch Resolve queries raised by CRS unsecured loans wrt liability products and support them in selling liabilities Ensure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines

ROLE PURPOSE & OBJECTIVE Manages banking relationship with 650 families within the geographic area of control by offering full range of banking services Directly responsible to acquire new customers for Group Lending (GL) business and servicing existing customers Upsell loans to right customers and family members based on requirement and capacity to repay Offer and onboard Savings Accounts and other deposit products to customer, their family members and their references Deliver prompt customer services; be accessible to customers at all times for GL, IL and Family Banking queries Generate quality leads for cross-selling for third party products offered by Ujjivan Small finance Bank. Provide timely loan for eligible repeat and top-up customers. Adherence to the defined set of processes and circulars. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Meet the set targets on Group Loans (GL) in terms of open market acquisition and repeat GL loans Convert GL customers, family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balance Actively source term deposits (FD and RD) from Family members of GL customers Offer suitable Insurance products to customer and family members to provide adequate insurance coverage Identify, process and refer GL customers who can be potentially given Individual loans either unsecured /secured Share customer insights/product related feedback with the ACRM Customer Ensure customers and Family members are educated about entire bouquet of banking products (Loans GL, IL, Secured, Deposits & Insurance) offered by Ujjivan Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services Ensure timely insurance claim settlement for his/her customers Resolve customer queries/pertaining to GL, IL & Family Banking within specified timelines Internal Process Identify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family Banking Group Loans: Fill customer profile forms, Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training (CGTs) Individual loans (for certified CROs): Analyze existing customer profile and repayment capacity, fill customer profile forms, Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms Coordinate with customers in the disbursement process Conduct Center Meeting as per schedule without fail and ensure timely repayments, collection of deposits for savings accounts / fixed deposit, updates all transactions on True-Cell, an interface to track monetary transactions Open savings accounts for Customer and their Family members in Ujjivan Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy Program Give the detailed field reports to ACRM and discuss field related issues Adherence to the defined set of processes and circulars. Learning & Innovation Maintain up to date knowledge of GL, IL and Family Banking products and services as well as a working knowledge of other products offered in the branch Ensure adherence to training man-days/ mandatory training programs for self Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate Experience 0-1 year experience for Graduates Field Experience preferably in product sales, banking or collection Functional Skills Knowledge on unsecured products Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage Is fluent in the local languages and has a working knowledge of English Behavioral Skills Product selling skills Willingness to travel & relocation as per business requirements and career opportunities Interpersonal skills Ability to interface (orally and in writing) with all levels of associates and customers Ability to manage teams and drive performance Training skills Location: Bengaluru,Chamarajanagar,Channapatna,Chikkaballapura,Chintamani,Gauribidanur,Gundlupet,Hassan,Hosakote,Kanakapura,Kollegal,Kothamangalam,Maddur,Magadi,Mysuru,Nagar,Nanjangud,Nelamangala,Pandavapura,Piriyapatna,Puttur,Ramanujnagar,Rajanagaram,ShrirangapattanaBannerghatta,Hebbal,Peenya,Yelahanka

I. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels. 1. Business/ Financials 2. Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion 3. Maintain database of the prospects, meet select prospects and manage the relationship thereafter 4. Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans 5. Should be ready to travel extensively across the catchment area of the location to build the base of business 6. Customer (Both Internal & External) 7. Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective 8. Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization 9. Internal Process 10. Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality 11. Visit the customers business and home to do the assessment/evaluation, following the Product Policy procedures. 12. Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Cluster Manager MLAP 13. Innovation & Learning 14. Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch 15. Inform Cluster Manager - MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis 16. Ensure adherence to training man-days/ mandatory training programs for self 17. Should be updated with the latest trends in civic and local laws of the location of operation