Retail Assets - Gold Loan - Sales officer - Khariar

Group Company: HDFC Bank Limited

Designation:Retail Assets - Gold Loan - Sales officer

Position description:

Responsible for sourcing business for the Gold Loan team

Primary Responsibilities:

• Sourcing Business- Solely responsible to source business through open market
• Need to create database of potential customers using lead generation tools
• Will work in catchment area and seek out new sales opportunities for driving revenue
• Relationship with customers:
• Sales Officer need to build and develop good relation with customer’s and cater their Gold Loan needs according the requirement
• Need to sustain long-lasting relations with customers to focus more renewals of loan.
• Promotional Activities:
• Need to generate more business for team by conducting promotional activities like distribution of leaflet, canopy activity, ATM activities
• Need to conduct activities in residential & industrial places to create awareness of Gold loan amongst people.
• Cross Selling:
• Login FTR files at Local Ops/RAOPS
• Follow up with the Local Ops/RAOPS and ensure all cases are disbursed timely and not screwed towards the end of the month.

Additional Responsibilities:

• Processing Rights:
• Will be having rights of maker in LOS and has to initiate transaction in the system
• Sales officer will be signatory to the documents pertaining to the loan and mandatory presence is required during the processing of loan
• He is also construed as a pseudo custodian for the entire transaction
• Need to ensure all KYC copies are checked with originals and signed OSV, if required need to collect documents from customer’s residence as per policy requirement

Educational qualifications preferred

• Category: Bachelor's Degree, Master's Degree
  
• Academic score: 50% +

Required work experience

• Industry: BFSI
• Role: Sales
• Years of experience: 1 to 3

Required Knowledge:

Work experience in the profile

Required Skills:

• Good Team spirit
• Inter personal skill
• Time / Team Management
• Good communication skill

Other:

• Reporting Designation: Sales Manager - GL
• Reporting Department-Sub BU: Retail Assets - Gold Loan

Specific requirements

• Travel: Customer Visits

Other details