Job Description

Sales Officer Msme - 29032

Description

JOB DESCRIPTION

Basic Information

Position Title

Sales officers

Grade/Level

MT/A-1/A-2

Vertical

MSME

Location

Business

MSME-Sales

Department

Sales

Organizational Relationships

Position Reporting to

Relationship Manager / Business Manager

Direct Reports if any

NA

Job Purpose

To generate fresh Business and Service existing clients end to end.

Qualification

12th Pass- preferably Graduates

Relevant Experience

0-3 Years

Knowledge of regional Language , written and verbal knowledge of Hindi and English , comfortable with sales , marketing activities and collection capabilities , having general knowledge of normal title documents of property.

Functional Competencies

Adult, Primary knowledge of Computer, Driving T/w with valid Licence, Should be comfortable with smart phones and computers and able to execute the basic functions on both the platforms, good knowledge of local demographics, Bearing KYC , NOC from other institution ( if coming from another FI/ employer ) , CIBIL should be non defaulter.

Should be preferably from local area having geographical knowledge of the place

Behavioural Competencies

Customer Focus, Integrity

Inclination towards Action and Urgency, Dynamic Growth

Hard Work and orientation towards detailing

Job Responsibilities

Financial Responsibilities

100 PERCENT achievement of the assigned targets for sales and collection

Doing Marketing activities , leafleting , Canopy . Identifying new source of business prospect and areas

Coordinating with prospective customer and existing customers for sourcing new business

Serving customer queries and Build up customer relationship and develop brand value in the market

Attending all the customer queries and providing resolution of their issues accordingly.

Portfolio Management in Co-ordination with Operations & Collection department

Physical verification of customer's residence, business and any other asset crucial from credit point of view and taking photographs.

Following BM/PM and senior instruction , coordinating with FI, Collection , Valuation , Legal team for getting the desired visits reports done . Visiting the customers for first FI and meeting, taking the seniors to the customer place for visit and verification.

Physical Verification of credit related documents like ITR'S, Bank Statements, receipts, ledger etc. and the property documents- Doing OSV ( Original Seen and verified) of these documents.

Preparing basic CAM ( Credit Appraisal Memo)

Taking reference check of customer from local market and existing customers.

Following policies & procedure as laid down by the company.

Portfolio Management and visit to delinquent cases, doing collection of EMIs of such delinquent cases in calibration with collection team.

Awareness, maintaining and stopping the Early Delinquency , Non starter cases in portfolio , train the team in order to be goal oriented and action oriented; deciding for the treatment of such cases wisely.

Maintaining least OTC / PDD pendency and timely clearance of the same.

Ensure to maintain non RPDC portfolio , all cases of portfolio should be ACH.

Maintaining and collection of fresh bouncing cases EMI with charges as mentioned in policy, try to correct the operational errors and get the 100 PERCENT cases repayment in NON PDC mode.

collection of fresh data from open marketing activities for tele calling and self sourcing . Following of the leads so generated from this data receiving from telemarketing team

Completing the documentation of the files , filling the agreements , formats and other formalities for the disbursement of the case

Clearing all queries coming from credit , OPS , Legal , Valuation .

Timely submission of daily MIS and sourcing data to reporting authority

Non Financial Responsibilities

Providing true and fair opinion based on customer's interaction.

Clearing all the queries of the customer and make sure to clear him final ROI , Fees , Charges , and all other terms of the case absolute terms

Should not involve in any financial/non-financial transaction with the customer

Maintaining good and decent behaviour while dealing with the customer, visiting his property , shop , go down and specially while taking photos of the property and house and surrounding with permission of the customer.

Conducting the customer reference checks with at most sincerity and maturity - so the goodwill of the client should not be hampered or no defame should be there . Be sure not to disclose any financial or personal information of the existing / new clients with any ( existing / prospective clients ) or to anybody whomsoever outside company.

Compliance & Risk Responsibilities

Taking responsibility of confidentiality of information gathered from clients

Taking the responsibility of company information - not to share with anybody out of company in any form -Verbal , written , soft , mail any way -whatsoever

showing and presenting all information collected for any case in healthy and clear terms , not to present any information related to customer , property , credit check , reference etc. about any customer while presenting the case of profile in visiting or appraising the case

safeguard of company assets provided for serving job responsibilities , like Identity Card , SIM, Marketing material , Computer Systems etc.

Job : Sales Officer MSME

Primary Location : Jodhpur_Region-JOD-3-Jalore_Bagoda Road

Organization : Asset Sales

Schedule : Full-time