Walk-in || Sales Officer

Job Purpose 

• Sourcing business through the rural/semi urban locations across different states of the country. 
• Creating a high quality portfolio
• Self - Sourcing of Files by identifying and prospecting suitable MSME clientele.
• Maintain relation with existing customer base for future leads and timely payments.
• Ensuring on-time collections

Key Responsibilities 

Managerial  Responsibilities

Identifying potential customers in the branch business zone and sourcing them under the assigned product

Managing the relationship with customers to generate business leads to achieve the business target numbers on monthly basis with good customer quality 

Ensure timely repayment from the customers sourced

Maintaining cordial relationship with colleagues and peers with team spirit in every action

Execution of task with complete integrity and transparency 

Functional 

Responsibilities 

Achieving the given target within time limits with the support of BM/CM/Ops 

Attending the leads, explaining about the products, procedure and benefits Addressing all queries of customers

Initial scrutiny of business of the customers, ability to repay the loan, character and integrity of the customers

Collection of documents from customers, arranging meeting with higher officials, inspection of the property being offered as collateral and facilitating valuation of the property

Facilitating legal reports with empanelled advocates and customers

Co-ordination between customers and branch officials for sanction and documentation  

Ensuring creation of mortgage wherever applicable on a timely basis and with proper verification and papers to be in order with respect to the legal opinion given by the empanelled advocate

Monitoring the portfolio regularly in order to contain any delinquency symptoms in the initial stage by meeting such clients with proactive measures

Sincere and dedicated effort to collect/ recover overdue amount from the respective clients on regular basis  

Taking any additional responsibility as and when it is required with focus on deliverables

Job Requirements 

Qualifications 

10+2 level or upwards  

Experience 

Fresher, if experienced - Minimum experience of 1 year in in banks/NBFC lending 

Functional Competencies 

Building partnerships and coordination among different stake holders such as colleagues, senior officials and customers

Ability to identify business opportunity in the given area

Ability to take action consistent with principles and goals of the organization 

Behavioral

Competencies 

Responsibility and accountability   Role & responsibilities

Preferred candidate profile