Retail Assets - Gold Loan - Sales officer - Banga

1-3 Years

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Job Description

Group Company: HDFC Bank Limited

Designation: Retail Assets - Gold Loan - Sales officer

Position 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