Branch:Branch Relationship Officer

The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or �Bharat� markets.�

To better capitalize on the growth runway and �open the world of possibilities� for the Bharat customer, the bank has set up a separate �Bharat Bank� vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches.

The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer.

The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring

The Sales Manager is responsible for leading the team of Sales officers at assigned branches for Nano Business loan.

The Role is expected to manage the team efficiently to achieve the disbursement, collection and portfolio management targets as per defined parameters of the bank. The role will be taking care of 1-2 districts of state based on the portfolio size

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�         Handling sales target for the secured and unsecured loan products for Nano business focused in semi urban and rural area

�         Train the team for loans products and other banking products for cross sale opportunity

�         Tracking and improving manpower productivity

�         Managing collection efficiency to ensure nil flows from bucket X

�         Managing early delinquencies to ensure portfolio is healthy and there are no nonstarter cases

�         Customers assessment by visiting business place, residence place and security proposed for cases as per banks policy

�         Periodic visits of customers and cross checking of sourcing quality/ loan utilization

�         Managing PDD and audit queries and ensure submission within time

�         Keeping regular track of competition and reporting new products/market development

�         Managing relationship with customer and act as first point of contact for any issues if not resolved by RE.

�         Adhering to the banks policies and ensuring compliance of the same.

�         Should have valid two wheeler driving licenses, two wheeler and Smart phone (preferably android9/IOS 9 and above)

Optimal qualification for success on the job is:

�         Education: Graduation/Post Graduation

�         Maximum Age: 32 Years

�         Experience: 3-7 Years of experience in sales in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL

�         Good understanding of Micro/Small unsecured business loan, Affordable housing or Small ticket LAP

For successful execution of the job, a candidate should possess the following:

�         Knowledge

1.       Good knowledge of field level operations and systems

2.       Experience in assessed business income is must.

3.       Should have knowledge on

o         Basic knowledge of credit bureau check

o         Banking assessment

o         Repayment record assessment

o         Understanding of local market practices with regard to legal and valuation of property

o         Good knowledge of local area and financial/ economic conditions

�         Skills

1.       Strong leadership skills

2.       Good communication (both verbal & written) and inter-personal skills

3.       Good team management skills

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�         Abilities

1.       Ability to work effectively across functions and demonstrated ability to coach and mentor others

2.       Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

3.       Ability to prioritize and make decisions in a fast-paced environment

4.       Ability to work as a part of team and contribute towards team goals

5.       Ability to travel minimum 15- 20 days a month