HDFC Bank – Retail Assets – Gold Loan – Sales officer
Job 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
- Contract Types: PERMANENT
