- Industry: #Industry#
- Role: #Role#
- Years of experience: #Years of experience#
Job Brief:- AU Small Finance Bank Limited is seeking a dedicated and dynamic professional to join our Sales and Service department. The role involves driving sales initiatives and delivering exceptional customer service within the bank's Microfinance and Individual Banking (MFIB) segment. The ideal candidate will be responsible for managing client relationships, promoting banking products, and ensuring compliance with regulatory standards. This position requires a proactive approach to achieving sales targets, resolving customer queries, and contributing to the overall growth of the bank's financial services portfolio. The role demands strong interpersonal skills, financial acumen, and the ability to work effectively in a fast-paced, customer-centric environment.
Responsibilities:-
- Develop and maintain strong relationships with microfinance and individual banking customers to understand their financial needs and offer appropriate banking solutions.
- Achieve and exceed sales targets by promoting the bank’s products and services, including loans, deposits, and insurance offerings.
- Conduct detailed financial assessments and credit appraisals to evaluate customer eligibility for various banking products.
- Ensure compliance with all regulatory guidelines and internal policies while processing customer transactions and loan applications.
- Provide timely and accurate information to customers regarding product features, perks, and terms to facilitate informed decision-making.
- Resolve customer complaints and service issues promptly to maintain high levels of customer satisfaction and loyalty.
- Collaborate with cross-functional teams including credit, operations, and risk management to streamline service delivery and mitigate risks.
- Prepare and submit regular reports on sales performance, customer feedback, and market trends to senior management.
- Participate in training programs and workshops to stay updated on the latest banking products, services, and regulatory changes.
- Promote financial literacy and awareness among customers to support responsible banking and credit usage.
Skill:-
- Microfinance Product Knowledge
- Customer Relationship Management (CRM)
- Credit Appraisal and Risk Assessment
- Regulatory Compliance
- Financial Needs Analysis
- Sales Target Achievement
- Conflict Resolution
- Communication and Interpersonal Skills
- Report Preparation and Data Analysis
- Cross-functional Collaboration
- Financial Literacy Training
- Time Management
Preferred Qualifications:-
- Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification is preferred.
- Minimum of 3-5 years of experience in sales and customer service within the financial services or banking sector, preferably in microfinance or retail banking.