GRADE - AM-I

DEPARTMENT - Branch Banking

REPORTS TO - BranchSales Manager - Branch Banking

ROLE PURPOSE & OBJECTIVE

Theincumbent will be primarily responsible to -

- Acquirenew customers for liabilities from open market
- Assistthe CRS - unsecured loans for conversion of existing borrowing customers 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

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

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

- Interact with customers in a courteous and professional manner; provideprompt, effective and accurate services
- Reduce customer 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 customer signatures 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

1year experience, preferably in sales

Certifications

- AMFI/ IRDA Certified

Functional Skills

- Basic knowledge on retail banking products
- Documentation skills
- Process compliance focus
- Communication skills: fluent in the local language

Behavioral Skills

- Courteous customer service skills
- TimeManagement
- Sellingskills
- Telephoniccold calling skills
- Willingnessto travel & relocation as per business requirements andcareer 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

Location - Kothamangalam,Bengaluru,Nagar,Ramanujnagar,Rajanagaram,Peenya,Maddur,Yelahanka,Chikkaballapura,Dharwad,Belgaum,Haveri,Davangere,Tumakuru,Tumkur,Chitradurga,Shimoga,Bhadravati,Tiptur,Gadag,Chintamani,Challakere,Bailhongal,Vasco Da Gama,Mysuru,Tiruchirapalli,Hosakote,Bannerghatta,Nelamangala,Mapusa,Puttur,Mangaluru,Udupi,Medchal,Malkajgiri,Thrissur,Kalburagi,Hassan,Hospet,Magadi,Ballari,Bijapur,Sira,Jamkhandi

📌 Business Development Executive (Nagar)
🏢 Ujjivan Small Finance Bank
📍 Nagar