Financial Services Associate

Job Description:

Function-       Financial Product Sales

Designation: Financial Services Associate/ Lobby Sales Executive

Purpose: The role holder is required to meet his/ her targets through generation of new leads and managing and building relationship with customers mapped to them in order to cross sell Financial Services products.

Desired Background:  MBA / Graduates with minimum 1 year of experience

KPA & Activities:

1. Business Targets: Achievement of business targets for all financial products as defined and agreed upon.

• Meet customers to sell all financial products
• Meet & counsel Walk -in & DSA customers who have been referred to him / her by HDFC Limited
• Influence customers to buy FD who have no prior HDFC Deposit relationship.
• Ensure proper customer profiling on each call / customer visit, to identify and understand his/her needs and accordingly recommend investment and Insurance options.
• Obtain appropriate documents / information from the client and ensure the forms are duly completed before logging the sale.
• Communicate the necessary details to the customers for the products being bought by them.
• Ensure sale is completed through / in line with the defined sales process.
• Maintain product mix across types of loans / value of loans ( Eqt, Housing, etc)

 and appropriate open market share for all products ( PAR / ULIP / Non Par).

• Co-ordinate for all claims processing (with the help of TM/ ASM/ Coordinators / SM representatives).
• Closely monitor the HL data of the HL executives mapped to maximize the business opportunities.
• Ensure maximum joint calls with each HL executive mapped.
• Ensure that all reports are created and maintained in a timely manner (DSR, Sales Dairy, etc.)
• Ensure that all documents are properly scanned and there is no mistakes while lead updation in the system.
• Be completely aware of the products being offered by the company and understand competition offering to be able to handle customer objections.
• Be updated with the latest product features to enhance his / her selling abilities
• Ensure all desired matrix and business composition (persistency, funded, non funded, etc.) are met

2. Relationship Building:

• Manage relationship with HL executives mapped to him / her.
• Maintain good relations with HDFC Limited
• Maintain good relationship with Channel partners & DSA
• Build relationship with the assigned / sourced customer to create opportunities for various products to fulfil the customer’s financial needs.

3. Account Management & Servicing:

• Manage and service the existing customer portfolio.
• Coordinate with the TM / Coordinator / SM for post sales service request form the customers (claims, endorsements, policy copy etc).
• Timely sharing of updated reports with the customers on products being bought by them.
• Co-ordinate with the customers at the time of renewals.

4. Certification and regulatory compliance:

• Be compliant towards selling of various products by undergoing the training and certification for IRDA, AMFI etc towards selling of insurance and any other products
• The FSA has to be conscious and vigilant towards declaration of the customer information.  In case FSA feels there is disconnect in the information shared by customer versus his/her observation, they need to crosscheck the information before booking the business.
• Ensure the right quality of business being sourced.