About the role
Job Purpose
Functional Role: Relationship Officer FPO
Qualification: Graduation OR PG
Vertical: Agri Banking
Location: Multiple Locations
Department: Sales
Relevant Experience:
2-5 years of FPO sales experience
Functional Competencies:
- Good Communication and Presentation Skills
- Good knowledge of Geography of Respective Job Location
- Basic understanding of financials
Behavioral Competencies:
- Customer Focus, Integrity
- Bias for Action and Urgency, Dramatic Growth
- Hard Work and Detail Orientation
Job Responsibilities:
Financial
- Should focus on the acquisition of FPO clients.
- New client acquisition through direct marketing activities
- Execution of marketing activities for lead generation
- Should focus on Direct Sourcing and Branch banking for acquisition. Third party sourcing thru bank's authorized referrals should be minimum.
- Responsible for first level of due diligence and creditworthiness check of customers
- Respond to and follow up sales enquiries by telephone, and personal visits
- Conversion of prospect into a customer by constant customer engagement and execution of documents
- Customer awareness calling and personal visits for collections
- Achievement of assigned monthly disbursement targets at desired IRR .
Non-Financial Responsibilities
- Co-ordination for clearance of pendency of files logged in system for smooth sanction and disbursement within defined TAT
- Regular monitoring of all accounts for early warning mechanism
- Relationship management with existing customer for retention and customer delight
Compliance & Risk Responsibilities
- Authentication documents through Original Seen and Verified of KYC and Financial Documents
- Responsible for Early Delinquency and Nos Starter cases
- Prompt reporting of any adverse information on the client
- Good housekeeping that is timely resolution of PDD & OTC