Bank Officer - MFIB - Sales & Services

Group Company: AU Small Finance Bank Limited

Designation: Bank Officer - MFIB - Sales & Services

Office Location:

Position description: #*Position description*#

Primary Responsibilities: #*Primary Responsibilities*#

Additional Responsibilities: #*Additional Responsibilities*#

Reporting Team

• Reporting Designation: #*Reporting Designation*#
• Reporting Department: #*Reporting Department*#
  
  

Educational Qualifications Preferred

#*Education and Experience*#

• Category: #*Category*#
• Field specialization: #*Field specialization*#
• Degree: #*Degree*#
• Academic score: #*Academic score*#
• Institution tier: #*Institution tier*#
  
  

Required Certification/s: #*Required Certification/s*#

Required Training/s: #*Required Training/s*#

Required Work Experience

• Industry: #*Industry*#
• Role: #*Role*#
• Years of experience: #*Years of experience*#
  
  

Job Brief:- We are seeking a dedicated and dynamic professional to join AU Small Finance Bank Limited's Sales and Service department. This role involves driving the growth of the bank's microfinance and business banking portfolio by delivering exceptional sales and customer service. The ideal candidate will be responsible for managing client relationships, identifying new business opportunities, and ensuring compliance with regulatory standards. This position requires a thorough understanding of financial products, excellent communication skills, and the ability to work in a fast-paced, customer-centric environment within the financial services industry.

Responsibilities:-

• Develop and maintain strong relationships with microfinance and business banking clients to understand their financial needs and provide tailored solutions.
• Achieve assigned sales targets by promoting the bank's financial products and services, including loans, deposits, and other banking solutions.
• Conduct detailed financial assessments and credit appraisals to evaluate client eligibility and risk profiles.
• Ensure compliance with all regulatory guidelines and internal policies during the sales and service processes.
• Collaborate with cross-functional teams to streamline service delivery and enhance customer satisfaction.
• Monitor and manage the loan portfolio to minimize non-performing assets and ensure timely recovery.
• Provide training and guidance to junior staff on sales techniques, product knowledge, and customer service standards.
• Prepare and present regular reports on sales performance, client feedback, and market trends to senior management.
• Identify and pursue new business opportunities through market research and networking within the assigned territory.
• Resolve customer queries and complaints promptly to maintain high levels of client retention and trust.
  
  

Skill:-

• Microfinance Product Knowledge
• Credit Appraisal and Risk Assessment
• Customer Relationship Management (CRM)
• Sales Target Achievement
• Regulatory Compliance in Banking
• Financial Analysis and Reporting
• Loan Portfolio Management
• Effective Communication and Negotiation
• Market Research and Business Development
• Team Leadership and Training
  
  

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 service roles within the financial services sector, preferably in microfinance or retail banking.
  
  

Key Performance Indicators: #*Key Performance Indicators*#

Required Competencies: #*Required Competencies*#

Required Knowledge: #*Required Knowledge*#

Required Skills: #*Required Skills*#

Required Abilities

• Physical: #*Physical*#
• Other: #*Other*#
  
  

Work Environment Details: #*Work Environment Details*#

Specific Requirements

• Travel: #*Travel*#
• Vehicle: #*Vehicle*#
• Work Permit: #*Work Permit*#
  
  

Other Details

• Pay Rate: #*Pay Rate*#
• Contract Types: #*Contract Types*#
• Time Constraints: #*Time Constraints*#
• Compliance Related: #*Compliance Related*#
• Union Affiliation: #*Union Affiliation*#