Financial Inclusion Officer

ROLEPURPOSE&OBJECTIVE
• Thisprofileisdirectlyresponsibleforbusinessgeneration, customeracquisitionandcustomerservicing for Depos it Products, Digitalchannels and Third Party Insuranceproducts

• Theprofileroleincludescross-sellingtoexistingcustomersaswellasacquisitionofnewcustomersthroughreferralandfamilybanking

• Offerandonboardcustomers on CASAand Termdepositproductstocustomer, theirfamilymembersandtheirreferences.

• Offerandonboardcustomers on Digitalplatformsincluding Mobilebanking, UPI, UPIQRanddownload of Hello Ujjivan.

• Deliverpromptcustomerservices; beaccessibletocustomersatalltimes for Digital Banking and Depos it Productqueries.

• SIZEOFTHEROLE

FINANCIALSIZE
NON-FINANCIALSIZE
• Approx 2 Cr. Deposit

• CASA, FD, RD&TPP(Product&Services)

• KEYDUTIES&RESPONSIBILITIESOFTHEROLE

Business/Financials
• Meetthesettargetsforoverall Liability, TPPand Digital Initiativesinterms of Family Banking(Open Market)acquisition.

• Convert Group Loan, Individual Loancustomers, theirfamilymembersandreferralsforavailable Liability, TPPand Digital Initiativesproductinthebranch.

• Open CASAandensurecustomersaremaintaining Monthly Average Balanceforopted CASA.

• Activelysourcetermdeposits(FDand RD)to Familymembers of GLcustomers.

• Offersuitable Insuranceproductstocustomerandfamilymemberstoprovideadequateinsurancecoverage

• Onboardcustomersondigitalchannelsincluding Mobilebanking, UPI, UPIQRand Hello Ujjivan

• Ensuredigitaladaptationformappedcustomers.

• Sharecustomerinsights/productrelatedfeedbackwith the CRM

Customer(Both Internal&External)
• Meetingcustomersregularlyandcrosssellingofoverall Liability, TPPand Digital Initiatives.

• Meetingcustomersregularlyandprovidingservicesrelatedtooverall Liability, TPPand Digital Initiatives.

• Ensurecustomers and Familymembersareeducatedaboutentirebouquetofbankingproducts(CASA, TPP, TDand Digital Initiatives)offered by Ujjivan.

• Engagewithcustomersforotheraccountrelatedactivitylikeconversion for Dormantaccounttoinactiveaccount, linking of DBTetc.,

• Convertingexistingfamilybankingleadsandprovidingtheleadstorespectivebusinessfunctiontocrosssellingofotheravailablesecuredloans in Ujjivan.

• Money Mitra??assisting CRMinmanaging BCarrangementsincluding Money Mitraandothers.

• Assistingcustomersfordigitalchannelsusagelike ATMCard, Mobile Banking, UPI, Missed-callbanking, Hello Ujjivanetc.

• Interactwithcustomersinacourteousandprofessionalmanner; provideprompt, efficientandaccurateservices

• Ensuretimelyinsuranceclaimsettlementforhis/hercustomers

• Resolvecustomerqueries/pertaining to Family Bankinganddigitalchannelswithinspecifiedtimelines.

Internal Process
• Compliance to SLA/Policies/Processes

• Adheringtocomplianceandqualityguidelinesinallthedocumentationandforms

• Analyzeexistingcustomerprofile, leadssharedandfillcustomerprofile in AOFwithaccuratedetails, routinelycheckwithconcernedauthoritiesforanyre-workneededinalreadysubmitted AOFs.

• Ensuringnoformpendencyforsourcedcustomersbyregularfollowupwithbranchopsteam.

• Helptoconduct the CSRactivitiesandmotivatescustomerstoparticipatein the Financial&Digital Literacy Programs

• Givethedetailedfieldreports to CRManddiscussfieldrelatedissues.

• Pro-activelyparticipate, facilitateanddriveanynew Digitalinitiativetakenbythebank

• Assistbranchstaff??CRO, LOinadoptingallthedigitalinitiativesofthebank for Loansaswellasdepositproducts

Innovation&Learning
• Beinguptodateaboutallthenewdigitalinitiativesofthebank

• Maintainuptodateknowledgeofoverall Liability, TPPand Digital Initiativesandprocessesaswellasaworkingknowledgeofotheravailableproductsofferedinthebranch.

• Ensureadherencetotrainingman-days/mandatorytrainingprogramsforself

• Beuptodatewithanynewprocessimplementationinitiativetakenbythebank.

• MINIMUMREQUIREMENTSOFKNOWLEDGE&SKILLS

Educational
Qualifications
• Graduateinrelatedsubjectswithgoodanalyticalandsalesskillstobeconsidered.

Experience (Years and Core Experience Type)
• 0-1 yearexperience for Graduates Field Experiencepreferablyinproductsales, banking

Certifications
• Ifrequired

Functional Skills
• Fluentinregionallanguage and English

• Strongcommunicationskills

• Good Interpersonalskills

• Salesskills

• Willingness&Attitudetotravelanddofieldactivities??Musthaveatwo-wheelerforfieldvisits

• Outgoingattitudewithabilitytoengagewithcustomers

• Shouldbeanactivesmartphoneuserwithunderstandingofdigitalplatformsinpersonallife(e.g. Social

• Media, UPI, wallets, bankingapps, ATM, POS)

• Awareuserofbasicofficetoolslike Email, Word, Excel, powerpoint

Behavioral Skills
• Effective Communication??bothoralandinwritten

• Interpersonalskills

• Multipleproductsellingskills

Competencies
• Building Relationship

• Driving Change

• Planning&Organizing

• Collaboration

• KEYINTERACTIONS

INTERNAL
EXTERNAL
• Microbanking Staff??CRM, ACRM, CRO, LO

• Branchoperationsteam

• Otherbranchstaff??CCRand Sales Officers

• Regionalproductteam

• Customersandtheirreferralandfamilymembers

• Insurancepartner Salesstaff

• Money Mitraandother BCArrangements

Location- Kolkata, Gamharia, Jamshedpur, Nagar, Kamrup, Guwahati, Sonapur, Samastipur, Chariali, Saharsa, Hajo, Udaipur, Lalpur, Ranchi, Kasba, Deoghar, Arrah, Jorhat, Ratu, Patna, Sasaram, Asansol, Purb a Champaran, Barrackpur, Parganas, Barasat, Kanchrapara, Domjur, Howrah, Bhagalpur, Cooch Behar, Belur, Hooghly, Agartala, Arwal, Giridih