Bank Officer - MFIB - Sales & Services

Group Company: AU Small Finance Bank Limited
Designation: Bank Officer - MFIB - Sales & Services
Office Location:
Position description: #*Position description*#
Primary Responsibilities: #*Primary Responsibilities*#
Additional Responsibilities: #*Additional Responsibilities*#
Reporting Team
Reporting Designation: #*Reporting Designation*#
Reporting Department: #*Reporting Department*#
Educational Qualifications Preferred
#*Education and Experience*#
Category: #*Category*#
Field specialization: #*Field specialization*#
Degree: #*Degree*#
Academic score: #*Academic score*#
Institution tier: #*Institution tier*#
Required Certification/s: #*Required Certification/s*#
Required Training/s: #*Required Training/s*#
Required Work Experience
Industry: #*Industry*#
Role: #*Role*#
Years of experience: #*Years of experience*#
Job Brief:- AU Small Finance Bank Limited is seeking a dedicated and dynamic professional to join our Sales and Service department. This role focuses on driving financial inclusion by promoting and delivering a wide range of banking products and services to meet the diverse needs of our customers. The ideal candidate will play a pivotal role in expanding the bank's customer base, ensuring superior service quality, and achieving sales targets within the Microfinance and Individual Banking (MFIB) segment. This position requires a strong understanding of financial products, excellent interpersonal skills, and the ability to work in a fast-paced, customer-centric environment.
Responsibilities:-
Identify and acquire new customers for the bank’s microfinance and individual banking products through proactive outreach and relationship building.
Promote and cross-sell a comprehensive portfolio of banking products including savings accounts, fixed deposits, loans, and insurance to meet customer needs.
Conduct detailed needs analysis to provide tailored financial solutions that align with customers’ financial goals and risk profiles.
Ensure compliance with all regulatory requirements and internal policies during customer onboarding and service delivery.
Maintain accurate and up-to-date customer records and documentation in the bank’s CRM and core banking systems.
Resolve customer queries and complaints promptly to enhance customer satisfaction and loyalty.
Collaborate with internal teams such as credit, operations, and risk management to facilitate smooth processing of customer requests and loan applications.
Achieve monthly and quarterly sales targets while maintaining high standards of service quality and ethical conduct.
Participate in training programs to stay updated on new products, market trends, and regulatory changes.
Generate regular reports on sales activities, customer feedback, and market intelligence to support strategic decision-making.
Skill:-
Customer Relationship Management (CRM)
Microfinance Product Knowledge
Retail Banking Sales
Financial Needs Analysis
Regulatory Compliance
Loan Processing and Documentation
Cross-Selling Techniques
Customer Service Excellence
Communication and Negotiation
Data Entry and Reporting
Risk Assessment
Problem Solving
Preferred Qualifications:-
Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification is preferred.
Minimum of 3-5 years of experience in sales and service roles within the banking or financial services industry, preferably with exposure to microfinance or retail banking.
Key Performance Indicators: #*Key Performance Indicators*#
Required Competencies: #*Required Competencies*#
Required Knowledge: #*Required Knowledge*#
Required Skills: #*Required Skills*#
Required Abilities
Physical: #*Physical*#
Other: #*Other*#
Work Environment Details: #*Work Environment Details*#
Specific Requirements
Travel: #*Travel*#
Vehicle: #*Vehicle*#
Work Permit: #*Work Permit*#
Other Details
Pay Rate: #*Pay Rate*#
Contract Types: #*Contract Types*#
Time Constraints: #*Time Constraints*#
Compliance Related: #*Compliance Related*#
Union Affiliation: #*Union Affiliation*#

Work arrangement
No