Sales Officer-SL Initiative

Job Title:

Sales officer-SL Initiative

Job Details:

Business Unit (PA): Sustainable Livelihood Initiative (SLI)

Team: Sales

Reports to: RM-SLI

Location: Pan India

Role Type: Individual Role

No of direct reportees: NIL

Travel Required: Yes

Job Band Range: S1-S2

JD Created date: 30-05-2025

Job Purpose:

The Sales Officer (SO) in SLI is the first line of contact for customers, acting as a financial advisor and relationship officer for existing and prospective bank customers.

SOs must engage with prospective and planned customers to offer group loans.

They are responsible for maintaining portfolio quality, ensuring timely repayments, and adhering to due diligence and compliance.

Job Responsibilities:

New Customer acquisition & retention:

Undertake surveys to identify potential areas (villages/wards) for SHG/JLG formation.

Collect participant profiles and form groups after orientation, creating baseline information.

Achieve core business productivity by adding NTB/NRTR customers as per plan and product mix (JLG/SHG).

Benchmark achievement of renewal numbers from the available renewal pool.

Collections:

Attend monthly call visits at SHG/JLG locations and complete reports.

Ensure set quality metrics for portfolio quality and collections.

Regularly collect EMIs from customers as per demand date.

Visit all not collected groups daily to ensure EMI recovery before the SI date.

Plan daily visits to delinquent groups (1-30 days) for resolution and regularization.

Ensure timely repayment from all customers; conduct immediate visits and engagement for delays/defaults.

Manage and service customers until taken over by other collection teams.

Portfolio Quality:

Offer cross-sell products to potential customers.

Manage customer relationships and service their banking needs.

Undertake regular field visits for engagement and servicing.

Code of Conduct:

Adhere to bank's guidelines, wear ID card in branch and field, and follow grooming standards.

Strictly avoid password sharing and cash handling with customers.

Maintain professional relations, avoiding personal associations with customers/relatives.

Adhere to compliance related to salary accounts, avoiding transactions with colleagues/customers from staff salary account.

Educational Qualifications:

Graduation & above

Key Skills:

Communication and Interpersonal Skills

Banking Product & Process Knowledge

Experience Required:

NA

Major Stakeholders:

NA