Business Development Executive

GRADE - AM-I

DEPARTMENT - Branch Banking

REPORTS TO - BranchSales Manager - Branch Banking

ROLE PURPOSE & OBJECTIVE

Theincumbent will be primarily responsible to -

• Acquirenew customers for liabilities from open market
• Assistthe CRS - unsecured loans for conversion of existing borrowing customers for liabilities
• Enhancethe relationship with the existing customers by cross-sellingproducts and services as per the profile & need of thecustomers
• Train/assistcustomers to use ATM and BCs; drive usage of alternate channels

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

• Targetassigned as per the branch

• CASABook as per the branch

• TDBook as per the branch

• Segmentwise book (NR, Senior Citizen, HNI etc) as per the branch

• Numbertarget for all the respective products.

• CA

• SA

• TD

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Meetthe set targets on liabilities in terms of open marketacquisition & existing customer conversion

• Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels:

• Leadsgenerated by branch staff and personal leads

• Referralsgenerated from existing customers

• Alternatechannels

• Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter

• AccompanyCRS-Unsecured loans on the field for actively driving conversionof existing borrowing customers into liabilities customer

• Crosssell other secured loan products of Ujjivan and pass qualityleads to respective loan officers

• Sharecustomer insights/product related feedback with the Sales Manager- Liabilities

Customers

• Interact with customers in a courteous and professional manner; provideprompt, efficient and accurate services
• Reduce customer dormancy and customer attrition by continuous engagement/ interaction
• Resolvesthe customer queries on various accounts, FD / RD, remittances &third party product

Internal Processes

• Guidethe customer to fill the Account Opening Form;ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
• Strictlyadhere & maintain compliance to KYC norms
• Drivethe usage of alternate channels such as ATMs, BCs and assistcustomers to use ATMs for dispensing cash

Learning& Performance

• Maintainup to date knowledge of the liabilities products and services aswell as a working knowledge of other products offered in thebranch
• Resolvequeries raised by CRS-unsecured loans w.r.t liability productsand support them in selling liabilities
• Ensureadherence to training man-days/ mandatory training programs forself
• Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications

Graduate,preferably in commerce and related streams

Experience

1year experience, preferably in sales

Certifications

• AMFI/ IRDA Certified

Functional Skills

• Basic knowledge on retail banking products
• Documentation skills
• Process compliance focus
• Communication skills: fluent in the local language

Behavioral Skills

• Courteous customer service skills
• TimeManagement
• Sellingskills
• Telephoniccold calling skills
• Willingnessto travel & relocation as per business requirements andcareer opportunities

Competencies

• Planning& Organizing
• DrivingExecution
• ManagingRelationships
• CustomerFocus

KEY INTERACTIONS

INTERNAL

EXTERNAL

• BranchTeam Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team

• RegionalProduct & Marketing team

• StateHR

• BCAgents

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