Relationship Officer - POS Loans

Job Purpose:

• Meet and exceed monthly and annual sales target objectives
• Ensure penetration in the market through focus on New to Bank acquisition as well as solicit existing clientele.
• Do proper analysis of the case and provide all related information of the customer after the field visit is done.
• To be familiar with all policies products and processes to ensure superior client onboarding experience. 
• To proactively participate in Learning Development and training programmes of the bank in order to be an effective sales personnel member.
• Ensure strict adherence to all KYC Compliance policies and other processes as stipulated. 

Key Accountabilities:

Generic Accountability

Financial:

Accomplish set sales and revenue objectives for all Products as per set business plan.

• Achieve monthly& annual set KPI objectives
• Focus on New To Bank acquisition along with leveraging existing client base
• To leverage on cross sell opportunities to ensure higher revenue per customer
• Maintain Daily Sales Reports on sales performance for review by team leader and manager assets

Customers:

Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience.

• Ensure thorough knowledge of all products policies and processes in order to achieve superior client on boarding experience
• To ensure no mis selling to customers by offering products/services transparently as per customer requirements
• Understand and resolve/escalate customer redresses to ensure timely resolution

Learning & Growth:
Participate in the assigned People Development and L&D programmes. Take accountability for own development by active enrolment and participation with close coordination with respective Team
 

• To ensure participation in assigned training Learning & Development programmes
• Awareness to competition offerings and offer suggestions to line manager to improve product/ processes

Internal Processes:
Ensure implementation of prescribed Sales & Compliance processes as per Banks policies.
Implement governance & controls to proactively identify manage and minimize/mitigate potential losses to the franchise within respective Area.

• Adhere to Risk Control Assessment process across all areas of Business Banking Department - Selling Client Onboarding Fraud Control Client Application & KYC Documentation etc. 
• Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all prescribed processes
• Ensure to bring quality and right customers to the franchise.
• Discuss the cases with stake holders and ensure support is provided

#LI-MM2

Qualifications :

Essential

• Requires good convincing and Negotiating Skills according to the complexity of business.
• Continuous suggestions on Changes and ways of improving FAB Products.
• To build and maintain effective business relationship with all colleagues.
• Identify any cross-Selling opportunity for Other Business Divisions of the Bank

Education required: University Degree / MBA / PGDM / Sales diploma or certification preferable.
Experience: 3 5 years of experience in Banking or in a Financial Industry

Remote Work :

No

Employment Type :

Full-time