Sales Officer / Senior Sales Officer

Sales Officer / Senior Sales Officer

Hyderabad / Secunderabad Kolkata
0-5 years
Not Specified

Job Description

Job Title: Sales Officer / Senior Sales Officer
Experience: 0-5 Years
Location: Hyderabad, Kolkata

Job Description:

Purpose of Job:
The incumbent would be primarily responsible for achieving the sales targets for Home Loan along with the related cross-sell targets

Essential Qualifications:
Graduate in any discipline.
Essential Experience:

  • 0 to 5 years experience in HFC or Mortgage Industry in the affordable /mass affluent market.
  • Ability to liaison & follow-up with customers, channels and internal stakeholders.
  • Good written & verbal communication skills
  • Ability to work under tight deadlines

  • Key Roles/Responsibilities:
  • Responsible for empanelment of channel and acquiring the customers for Home Loan from open market and developer relationships.
  • Responsible for ensuring the adherence of KYC documents as per the guidelines by the company.
  • Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time.
  • Responsible for establishing the  brand and managing the sales and business development activities for Home Loans with focus on affordable / mass affluent segment in the assigned hub location.
  • The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY.
  • Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.
  • Responsible for ensuring the proper completion of the files within timeline as per the company checklist.
  • Responsible for ensuring the proper closure of disbursement documentation within the timeline.
  • Responsible for guiding the customer with clarity towards applying for Home Loan and explaining the product features in terms of ROI, Processing Fees, Terms and conditions etc.
  • Responsible for communicating the reasons for rejection to the customer whose file has been rejected.
  • Adherence to the organizations policies and procedures and compliance with legal and regulatory requirements
  • Responsible for training, development and activisation of channels and release of channel payments on time.
  • Responsible for maintaining the existing relationship with builders for APF & bulk sales.
  • Responsible for sourcing of builder project files and getting their project approval done by the organization.
  • Ensure excellent customer service which includes query resolution of the customer, completion of the task within the given TAT, after sales service, handling of complaints and customer retention.
  • Ensuring the ownership of early delinquencies and working closely with the Collection and Credit team.
  • Ensuring active participation with Operations team for resolving PDD (Post disbursal document) Issues.

Key Performance Indicators:
  • Disbursement Value and numbers
  • Insurance cross-sell
  • Channel Activation
  • Sourcing Qualities
  • Audit Scores
  • Learning and Development of self and channel
  • Customer Service
Core Competencies:

• Execution & Delivery

Result oriented, ensures operational excellence in areas of responsibility and delivers best results. Takes active ownership of problems and provide timely and result focused solutions. Remains outcome-driven.
• Accountability

Responsible for the tasks assigned under the ambit of the key responsibilities of the role and additionally for any dependencies with cross functional teams.
• Collaboration

Fosters a culture of trust, collaboration and support. Works collaboratively both within one’s own function and across functions to achieve company’s goals.
• Effective Communication

Communicates timely and responsively with clarity and effect (both verbal and written). Seeks and provides feedback.
• Customer Service Orientation

Develops and maintains strong external and internal customer relationships by identifying and anticipating customer needs and responding to them by maintaining long term relationships.

About PeopleStrong

One of the Client of Taggd

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