Sales Officer-CE-Infrastructure Finance

Job Title:

Sales Officer-CE-Infrastructure Finance

Job Details:

Business Unit (PA): Infrastructure Finance

Team: Infrastructure Finance

Reports to (job): RM-TIFG-WC

Location of Role: PAN India

Job Fn: Sales

Role Type: Individual Contributor

No of direct reportees: 0

Travel Required: Extensive within location

Job Band Range: S1-S2

JD Created date: 09-Aug-07

JD Updated date: 28-Jul-25

Version No: 1.2

Job Purpose:

Source & disburse core business Working Capital Finance (FB and NFB).

Cross-sell products like Insurance, CASA, cards.

Ensure Portfolio Growth and Management in line with business objectives.

Achieve overall business targets on volumes, profitability, and NTB customers for Infrastructure Finance Group.

Job Responsibilities:

Business Sourcing/Asset Growth:

Source business from open market, dealers, and branches.

Achieve monthly business targets.

Identify potential clients for asset growth.

Increase Asset Product Mix (CC/OD/WCDL/TL/DRUL).

Acquire new customers (NTB) to increase the asset book.

Drive sourcing through all channels.

Interact with branches for new business opportunities.

Identify transportation and logistic clients, dealers, and extend Working Capital, Inventory funding, and warehouse funding.

Manage disbursement & renewal documentation.

Develop relationship with branch banking team to increase sourcing/service existing portfolio.

Collateral Management based on aging of vehicles/collateral.

Provide end-to-end services to sourced customers.

Liability:

Meet Liability growth in line with Assets growth for Self-Funding Plan.

Represent the Bank for all customer product/service needs (CA/SA/FD/Salary Account).

Engage continuously with Bank Branch Channel for product/service delivery.

Qualitative objectives:

Engage with Operations for disbursement, ensuring defined TATs.

Present Market feedback to supervisor.

Engage customers for promotion of digital drives (Enet/Net Banking, TON, SME digital, Mobile Banking, PayZapp, Insta Alert, Smart Buy).

Ensure PSL/Agri classification.

Housekeeping:

Track housekeeping for a healthy portfolio.

Create call memos & reports for every customer by visiting quarterly and update deferrals and PDD tracking/closure.

Ensure business is conducted as per Banks and RBI guidelines.

Manage Call Memo, CAM renewals, minimum SRM.

Educational Qualifications:

Graduation

Key Skills:

Good Team spirit

Inter personal skill/Good communication skill

Time / Team Management

Proactive & focused approach

Experience Required:

Minimum experience: Fresher or 1-2 years.

Exposure to banking/Infra Market preferable.

Major Stakeholders:

Customers

Operations

Product Team

Retail Branch Banking

Insurance

Dealers

Vendors