- 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
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, effective and accurate services
- Reducecustomer dormancy and customer attrition by continuous engagement/ interaction
- Resolvesthe customer queries on various accounts, FD / RD, remittances &third; party product
InternalProcesses
- 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
- 3+years experience, 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 andcareer opportunities