Job Title: Sales Executive

Company: AU Small Finance Bank Limited
Location: Ntr (Andhra Pradesh)
Qualification: Graduate
Relevant Experience: 0–3 Years (Experience in Financial Services/BFSI preferred)

Job Purpose:

The Sales Executive acts as the primary point of contact between AU Small Finance Bank and customers, as well as with various business sourcing channels. This role is responsible for business acquisition, customer onboarding, loan sourcing, documentation, and asset verification. The Sales Executive plays a critical role in expanding the bank's reach and reinforcing customer trust.

Key Responsibilities:

• Understand and implement the company’s core business philosophy and lending methodology.
• Execute the bank’s product strategy and pricing guidelines at the ground level.
• Identify, assess, and pursue potential customers through personal outreach and sourcing channels.
• Conduct market assessment of the assigned geography to generate quality business leads.
• Understand customer profiles, collect necessary documentation, and recommend eligible cases to the credit team.
• Ensure accurate and timely upload of customer data, documentation, and images using digital devices.
• Responsible for field-level asset verification and managing early-stage defaults or non-starters.
• Promote the bank’s products (loans, deposits, insurance, etc.) through door-to-door, community-based, and relationship-driven marketing.
• Actively contribute to collections in coordination with relevant teams.

Eligibility Criteria:

• Educational Qualification: Graduation in any discipline is mandatory.
• Experience: 0 to 3 years in Sales/Financial Services/BFSI.
• Age: Must be a legal adult (18+ years).
• CIBIL: Applicant should not be a loan defaulter; a healthy credit score is mandatory.
• Technology Use: Must own or be proficient with a smartphone; ability to take photos and upload data via computer is essential.
• NOC Requirement: If previously employed in another Financial Institution, a No Objection Certificate (NOC) is required at the time of joining.

Functional Competencies:

• Proficiency in Hindi, English, and regional/local language (both written and verbal).
• Comfortable with sales, marketing activities, and collections.
• General knowledge of property documentation and title verification.
• Strong geographical knowledge of Ahmedabad and surrounding localities (preferred local candidates).

Behavioral Competencies:

• Customer Focus – Understand and address customer needs sincerely.
• Integrity – Ethical approach in all customer and internal interactions.
• Bias for Action & Urgency – Prompt in decision-making and task execution.
• Dramatic Growth Orientation – Ambitious and goal-driven.
• Hard Work & Detail Orientation – Attention to accuracy and compliance in documentation and communication.

Success Traits:

1. Target-Driven Performer – Consistently meets or exceeds performance benchmarks.
2. Customer-Centric Approach – Prioritizes long-term customer relationships.
3. Multi-Product Expertise – Sound understanding of various banking and financial products.
4. Local Market Specialist – Strong understanding of local demographics and lead-generation methods.
5. Agile & Resilient – Capable of adapting to fast-paced environments.
6. Brand Ambassador – Upholds the values and reputation of AU Small Finance Bank.
7. Financial Literacy Advocate – Educates customers on responsible borrowing and financial planning.

Compensation & Benefits:

• Fixed salary + Attractive performance-based incentives
• Field travel allowances (as per company norms)
• Career progression opportunities within AU Bank
• Insurance and other statutory benefits

Education Level : Bachelor's Degree

Technical Education : N/A

Certificate : N/A

Industrial Certificate : Experience

Key Skills
Core Sales & Business Develoment Skills, Banking & Financial Service Knowledge, Technology & Tools, Soft Skills & Personal Attributes.

Other Skills
Time Management

• English - Reading, Writing, Speaking
• Hindi - Reading, Writing, Speaking