To achieve targeted Portfolio, NIM & fee income | - To achieve periodic loan book, NIM targets in SME LAP core products
- To maintain projected fee income at budgeted numbers and undertake cross selling initiatives to achieve them
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To undertake new client acquisition, retention & growth for larger customer base | - To identify potential clients (promoters, brokers, corporate, wealth clients) through direct sales /DSA/NDs/referral networks
- To execute monthly sales plan to acquire large prospective clients and ensure regular contact with all mapped clients through regular weekly / monthly Calls.
- To build/work on a strong direct network and DSA network & generate faster TAT for deal closures
- To be in touch with existing client base on a regular basis to ensure retention and repeat business
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To contribute to customer satisfaction initiatives | - To stay abreast of the client requirements and monitor the relationship from initiation to closure
- To ensure that client promises are kept and their grievances are adequately addressed or highlighted
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To ensure high standards of portfolio management, Business from existing clients and Monitoring and collection, Resolving audit queries | - Keep abreast of local current happening at market place to take key decisions before any event happens in market place
- To be in touch with existing client base on a regular basis to ensure retention and repeat business
- To ensure regular debt servicing and compliance of all covenants by continuous engagement with borrower group
- To proactively and timely obtain and analyze MIS data on monthly/ quarterly basis depending on sector and type of transactions and identify any red flags or early warning signals
- To issue NOC and other documents as and when asked by the customer for ensuring smooth business operations on a regular basis
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To ensure policy/process adherence and documentation | - To be aware of all critical policies, processes & documentation for all the products & ensure compliance
- To help the risk & review process by continually monitoring the client profile & the margin shortfall within predetermined time limit to ensure zero NPAs
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To formulate periodic MIS | - To maintain / update LMS for their entire set of clients, existing, new and proposed and enter all activities until the closure of each transaction.
- To send periodic lead closure & sales reports to the functional head
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To contribute in own development and skill enhancement | - To ensure ongoing self-development - attend internal and external training programs, other relevant certifications that enhances the skills in the financial sales services
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