Financial Inclusion Officer

ROLEPURPOSE & OBJECTIVE

• Thisprofile is directly responsible for business generation, customeracquisition and customer servicing for Deposit Products, Digitalchannels and Third Party Insurance products
• Theprofile role includes cross-selling to existing customers as wellas acquisition of new customers through referral and familybanking
• Offerand onboard customers on CASA and Term deposit products tocustomer, their family members and their references.
• Offerand onboard customers on Digital platforms including Mobilebanking, UPI, UPI QR and download of Hello Ujjivan.
• Deliverprompt customer services; be accessible to customers at all timesfor Digital Banking and Deposit Product queries.

1. SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• Approx2 Cr. Deposit

• CASA,FD, RD & TPP (Product & Services)

1. KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business/Financials

• Meetthe set targets for overall Liability, TPP and DigitalInitiatives in terms of Family Banking (Open Market) acquisition.
• ConvertGroup Loan, Individual Loan customers, their family members andreferrals for available Liability, TPP and Digital Initiativesproduct in the branch.
• OpenCASA and ensure customers are maintaining Monthly Average Balancefor opted CASA.
• Activelysource term deposits (FD and RD) to Family members of GLcustomers.
• Offersuitable Insurance products to customer and family members toprovide adequate insurance coverage
• Onboardcustomers on digital channels including Mobile banking, UPI, UPIQR and Hello Ujjivan
• Ensuredigital adaptation for mapped customers.
• Sharecustomer insights/product related feedback with the CRM

Customer(Both Internal & External)

• Meetingcustomers regularly and cross selling of overall Liability, TPPand Digital Initiatives.
• Meetingcustomers regularly and providing services related to overallLiability, TPP and Digital Initiatives.
• Ensurecustomers and Family members are educated about entire bouquet ofbanking products (CASA, TPP, TD and Digital Initiatives) offeredby Ujjivan.
• Engagewith customers for other account related activity like conversionfor Dormant account to inactive account, linking of DBT etc.,
• Convertingexisting family banking leads and providing the leads torespective business function to cross selling of other availablesecured loans in Ujjivan.
• MoneyMitra ?? assisting CRM in managing BC arrangements includingMoney Mitra and others.
• Assistingcustomers for digital channels usage like ATM Card, MobileBanking, UPI, Missed-call banking, Hello Ujjivan etc.
• Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services
• Ensuretimely insurance claim settlement for his/her customers
• Resolvecustomer queries/ pertaining to Family Banking and digitalchannels within specified timelines.

InternalProcess

• Complianceto SLA/Policies/Processes
• Adheringto compliance and quality guidelines in all the documentation andforms
• Analyzeexisting customer profile, leads shared and fill customer profilein AOF with accurate details, routinely check with concernedauthorities for any re-work needed in already submitted AOFs.
• Ensuringno form pendency for sourced customers by regular follow up withbranch ops team.
• Helpto conduct the CSR activities and motivates customers toparticipate in the Financial & Digital Literacy Programs
• Givethe detailed field reports to CRM and discuss field relatedissues.
• Pro-activelyparticipate, facilitate and drive any new Digital initiativetaken by the bank
• Assistbranch staff ?? CRO, LO in adopting all the digitalinitiatives of the bank for Loans as well as deposit products

Innovation& Learning

• Beingup to date about all the new digital initiatives of the bank
• Maintainup to date knowledge of overall Liability, TPP and DigitalInitiatives and processes as well as a working knowledge of otheravailable products offered in the branch.
• Ensureadherence to training man-days/ mandatory training programs forself
• Beup to date with any new process implementation initiative takenby the bank.

1. MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduatein related subjects with good analytical and sales skills to beconsidered.

Experience(Yearsand Core Experience Type)

• 0-1year experience for Graduates Field Experience preferably inproduct sales, banking

Certifications

• Ifrequired

FunctionalSkills

• Fluentin regional language and English
• Strongcommunication skills
• GoodInterpersonal skills
• Salesskills
• Willingness& Attitude to travel and do field activities ?? Musthave a two-wheeler for field visits
• Outgoingattitude with ability to engage with customers
• Shouldbe an active smartphone user with understanding of digitalplatforms in personal life (e.g. Social
• Media,UPI, wallets, banking apps, ATM, POS)
• Awareuser of basic office tools like Email, Word, Excel, power point

BehavioralSkills

• EffectiveCommunication ?? both oral and in written
• Interpersonalskills
• Multipleproduct selling skills

Competencies

• BuildingRelationship
• DrivingChange
• Planning& Organizing
• Collaboration

1. KEYINTERACTIONS

INTERNAL

EXTERNAL

• Microbanking Staff ?? CRM, ACRM, CRO, LO
• Branchoperations team
• Otherbranch staff ?? CCR and Sales Officers
• Regionalproduct team

• Customersand their referral and family members
• Insurancepartner Sales staff
• MoneyMitra and other BC Arrangements

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