Job Title: Sales Executive – Credit Cards

Company: AU Small Finance Bank Limited
Location: Surat (Gujarat)
Qualification: Graduate (Any Stream)
Experience: 0–5 Years (Experienced candidates preferred)
Employment Type: Full-Time

Job Overview:

As a Sales Executive – Credit Cards at AU Small Finance Bank, you will act as the primary interface between the company and customers/sourcing channels. You will be responsible for identifying potential leads, sourcing credit card applications, verifying customer documentation, and driving sales volumes. This role demands a proactive, customer-centric, and detail-oriented individual with strong sales acumen.

Key Responsibilities:

🔹 Sales & Customer Acquisition

• Generate leads from assigned sourcing channels (dealers, referrals, commercial associates, etc.)
• Prospect new and existing customers to generate credit card sales
• Identify potential markets and assess customer profiles for creditworthiness
• Explain product features, pricing, and terms clearly and transparently
• Ensure a minimum six-month collection from self-sourced customers

🔹 Documentation & Verification

• Collect and verify customer documentation accurately
• Recommend customers for credit approval after proper assessment
• Ensure collection of post-disbursement documents and monitor deferrals
• Responsible for asset verification and handling non-starter or early-default cases

🔹 Relationship Management

• Maintain strong relationships with sourcing channels and customers
• Deliver timely service and build trust with customers for repeat and referral business
• Act as a brand ambassador for AU Bank’s 4Fs philosophy: Fair, Fast, Flexible, Friendly

🔹 Reporting & Compliance

• Submit daily reports to the reporting manager (evening or next morning)
• Ensure compliance with internal and external policies and standards
• Maintain ethical conduct and customer confidentiality at all times

Candidate Requirements:

✅ Educational & Technical:

• Graduate (Any stream)
• Must possess a smartphone and basic computer skills (e.g., taking/uploading pictures)
• Should have non-defaulter CIBIL score
• Basic knowledge of property title documents is a plus

✅ Functional Competencies:

• Fluent in Hindi, English, and regional language (Gujarati)
• Strong sales, marketing, and field collection capabilities
• Good local geographical knowledge of Ahmedabad and surrounding areas

✅ Behavioral Competencies:

• Customer Focus and Integrity
• Bias for Action, Urgency, and Hard Work
• Attention to Detail and Ownership of Results

Why Join AU Small Finance Bank?

• Work with one of India’s fastest-growing banks
• Attractive incentive structure with career growth opportunities
• Exposure to a wide range of financial products and services
• Culture built on fairness, innovation, and customer-first approach

Education Level : Bachelor's Degree

Technical Education : N/A

Certificate : N/A

Industrial Certificate : Experience

Key Skills
Direct Sales & Field Marketing, Credit Card Product Knowledge, Problem Solving & Decision Making, Customer Acquisition & Retention

Other Skills
Time Management

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