Sales Officer - Rural Banking ( New )

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

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Managingthe Liability Book of the branch (Open Market CA SA TD) Approximately 2.5 Cr

• LiabilitiesCustomers handling
• Numberof portfolio products- CASA, 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

Internal Processes

• 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

• yearexperience, preferably in sales

Certifications

• AMFI/ IRDA Certified

Functional Skills

• Basicknowledge on retail banking products
• Documentationskills
• Processcompliance focus
• Communicationskills: fluent in the local language

Behavioral Skills

• Courteouscustomer service skills
• TimeManagement
• Sellingskills
• Telephoniccold calling skills
• Willingnessto travel & relocation as per business requirements and career 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

• BCAgents.