- Industry: #Industry#
- Role: #Role#
- Years of experience: #Years of experience#
Job Brief:
- We are seeking a dedicated and results-driven professional to join AU Small Finance Bank Limited's Sales and Service department. This role focuses on driving financial product sales and delivering exceptional customer service within the bank's Microfinance and Individual Banking (MFIB) segment. The ideal candidate will possess a strong understanding of financial products, excellent interpersonal skills, and the ability to manage client relationships effectively. This position requires a proactive approach to identifying customer needs, cross-selling banking products, and ensuring compliance with regulatory standards, contributing to the bank's growth and customer satisfaction objectives.
Responsibilities
- Develop and maintain strong relationships with individual and microfinance customers to understand their financial needs and offer appropriate banking solutions.
- Achieve sales targets for various financial products including loans, deposits, and insurance within the MFIB segment.
- Conduct detailed customer profiling and needs analysis to recommend suitable products and services.
- Ensure timely and accurate processing of customer transactions and service requests while adhering to bank policies and regulatory guidelines.
- Collaborate with internal teams to facilitate smooth onboarding of new customers and resolve service-related issues promptly.
- Monitor and follow up on loan applications, disbursements, and repayments to maintain portfolio quality.
- Educate customers on digital banking platforms and promote their adoption to enhance service efficiency.
- Prepare and submit regular reports on sales performance, customer feedback, and market trends to senior management.
- Stay updated with industry developments, regulatory changes, and competitor offerings to provide informed advice to customers.
- Participate in training programs to continuously improve product knowledge and sales techniques.
Skill
- Financial Product Knowledge
- Customer Relationship Management
- Sales and Negotiation
- Regulatory Compliance
- Loan Processing and Credit Assessment
- Digital Banking Platforms
- Portfolio Management
- Communication and Interpersonal Skills
- Market Analysis
- Report Preparation and Documentation
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 banking or financial services industry, preferably in microfinance or retail banking.