- Industry: #Industry#
- Role: #Role#
- Years of experience: #Years of experience#
Job Brief:- We are seeking a dedicated and results-driven professional to join our Sales and Service department at AU Small Finance Bank Limited. This role involves managing and expanding our customer base by delivering exceptional financial products and services tailored to meet client needs. The ideal candidate will play a pivotal role in driving business growth through effective relationship management, sales execution, and ensuring compliance with regulatory standards within the financial services sector. This position requires a proactive individual with solid analytical skills, excellent communication abilities, and a thorough understanding of banking products and services, particularly in microfinance and small business lending.Responsibilities:-
- Develop and maintain strong relationships with existing and potential customers to promote the bank’s financial products and services.
- Achieve sales targets by identifying customer needs and offering appropriate banking solutions including loans, deposits, and investment products.
- Conduct detailed financial assessments and credit appraisals to evaluate loan applications in compliance with the bank’s policies and regulatory guidelines.
- Provide end-to-end service support to customers,
ensuring timely resolution of queries and issues related to accounts, transactions, and product features.
- Collaborate with cross-functional teams to design and implement customer acquisition and retention strategies.
- Monitor market trends and competitor activities to identify new business opportunities and recommend product enhancements.
- Ensure strict adherence to KYC (Know Your Customer), AML (Anti-Money Laundering), and other regulatory compliance requirements.
- Prepare and present regular reports on sales performance, customer feedback, and market insights to senior management.
- Conduct customer education sessions to increase awareness of financial products and promote responsible banking practices.
- Participate in training programs to stay updated on the latest banking regulations, products, and sales techniques.
Skill:-
- Financial Product Knowledge
- Credit Appraisal and Risk Assessment
- Customer Relationship Management (CRM)
- Regulatory Compliance (KYC, AML)
- Sales and Negotiation
- Market Analysis
- Communication and Interpersonal Skills
- Problem Solving and Conflict Resolution
- Report Preparation and Presentation
- Time Management and Organizational Skills
Preferred Qualifications:-
- Bachelor’s degree in Finance, Business Administration, or a related field; a Master’s degree or professional certification (e.g., CAIIB, CFA) is an advantage.
- Minimum of 3-5 years of experience in banking sales and services, preferably within microfinance or small finance banking sectors.