Officer - Sales - Home Loan (0-5 yrs)

Role - Sales Officer (Home Loans)

Purpose: Will be responsible for meeting targets, identify new sources from assigned geography, and maintain good relationship with sources, achieving efficiency of assigned geography and sources there by achieving the desired productivity expected by the company.

Job description:

- Area/Geography Mapping.

- Responsible for lane to lane/Area mapping of Area/Geography at regular intervals with the help of supervisor.

- Identify new sources in the allocated Area/Geography and inform the progress to reporting manager during team huddle.

Knowledge, Skills & Functional Competency:

- Knowledge of the entire geography.

- Ability to plan and map the allocated geography into areas/lane to lane.

- Ability to use tools and resources to identify potential sources.

- Source Relationship Management.

- Responsible for managing the relationship with all sources assigned and identified by him in his geography/area.

Knowledge Skills & Functional Competency:

- Ability to understand the potential and ensure the expected LSR, SLR and MS of the source.

- Knowledge and ability to use various tools which can be utilized to improve relationship and ratios.

- Maintain Reports

- Responsible for maintaining reports related to sales and all his activities in the prescribed format. Should maintain diary on daily basis in the prescribed format of activities.

Knowledge, Skills & Functional Competency:

- Knowledge of various reports to be maintained

- Ability to capture data in the prescribed format

- Ability to understand and perform all functions of diary

- Channel Partner Recruitment

- Responsible for identification of channel partners

Knowledge, Skills & Functional Competency:

- Knowledge of BSA empanelment process.

- Ability to identify the potential channel partner

- Ability to identify whether the BSA falls within the norms and category defined.

- Team Huddle

- Responsible for attending team huddle on a daily basis as per the set process

Knowledge, Skills & Functional Competency:

- Knowledge of daily morning huddle process

- Ability to provide data in the prescribed format based on business requirements.

- Customer Relationship Management

- Responsible for enhancing the customer experience by developing and maintaining relationship with customers

Knowledge, Skills & Functional Competency:

- Knowledge of all products of bank and competition

- Ability to sell products and provide required services to customers

- Knowledge of KYC documentation

- Knowledge of legal documentation and technical process

- Knowledge and ability to use sales kit

- Ability to analyse credit document and derive eligibility

- Ability to handle objections

Behavioral Competencies:

Must Have:

1. Interpersonal Skills

- Customer Relationship Management, Source Management

2. Planning

- Geography Mapping, Sales Management

3. Selling Skills

- Conversions, Handling Customer Objections

Good to Have

1. Creativity

2. Working from Service perspective

3. Logical Reasoning

Mandatory - Minimum Graduate with atleast 6 months to 5 years of Housing Loan or BFSI experience or MBA freshers

CTC Upto : 3.60 LPA Fixed + Incentives