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AU Bank new job: Apply for the Sales Officer Home Loan (Multiple Locations)


  • Department: Sales
  • Job Posted On: November 5, 2024
  • Employee Type: Full-Time
  • Experience Range: 0 Years – N.A.

Job Description:

Functional Competencies:

  • Proficiency in regional language with good verbal and written communication in Hindi and English.
  • Comfortable with sales, marketing activities, and collections.
  • General understanding of property title documents.
  • Must be of legal age (not a minor) and computer literate.
  • Physically fit and able to drive a two-wheeler with a valid license.
  • Must possess KYC, NOC (if switching from another financial institution or employer), and a smartphone with knowledge of uploading pictures and documents to a computer.
  • CIBIL score should be non-defaulted.
  • Preference for candidates from the local area with a good understanding of local geography.

Behavioral Competencies:

  • Strong customer focus and integrity.
  • Bias for action with a sense of urgency.
  • Detail-oriented and hardworking.

Job Responsibilities:

Financial:

  • Understand the company’s business philosophy and methodology.
  • Implement product and pricing strategies.
  • Generate business leads from sourcing channels.
  • Identify and evaluate potential in the designated market.
  • Assess customer profiles, collect necessary documentation, and recommend customers for credit approval.
  • Service existing sourcing channels and onboard new channels like OEM exchange outlets, used dealers, commercial associates, and referrals.
  • Prospect new and existing customers to drive sales.
  • Maintain relationships with dealers, commercial associates, referrals, and other channels to ensure consistent business flow.
  • Monitor deferrals and post-disbursement documents, ensuring timely collection.
  • Responsible for the first six months of collections from self-sourced customers.
  • Handle asset verification and manage early defaults or non-starters.
  • Achieve monthly, quarterly, and yearly volume targets.
  • Ensure excellent customer service and foster relationships with key decision-makers to secure repeat and referral business.

Compliance & Risk Responsibilities:

  • Understand the company’s core business philosophy and methodology.
  • Clearly explain terms and conditions to customers, ensuring transparency and alignment with the company’s 4F motto: Fair, Fast, Flexible, and Friendly.
  • Provide timely feedback from customers to the channels.
  • Submit the Daily Call Report (DCR) to senior management either on the same day or by the next morning.

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