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About us

FinX Career Point is a dynamic career consultancy and training institution committed to empowering the next generation of professionals in the banking, finance, and fin-tech sectors.
Founded with the vision to bridge the gap between academic knowledge and industry demands, we provide high-impact training programs, career mentoring, and placement support tailored to today’s rapidly evolving financial landscape.

Why Finx Career Point

To deliver industry-aligned training and career solutions that bridge the gap between academic knowledge and professional expectations.
To empower individuals with practical financial expertise, digital proficiency, and soft skills critical for success in today’s dynamic financial landscape.
To foster strategic partnerships with corporates, institutions, and regulatory bodies to ensure relevance, innovation, and continuous improvement.
To uphold the highest standards of integrity, excellence, and client-centricity in all our training and consultancy services.

Courses

Courses Going on

Banking & Financial Sales Excellence Program (BFSXP)

Certifications Offered:

Job Profiles

Job profiles:

Relationship Manager (e.g., Associate Relationship Manager – Home Loan/Liabilities, Carloan)
Acquisition Manager (e.g., Deputy Manager-Acquisition)
Sales Officer-executive and assistant Manager grade

Requirements:

Education: Typically a Graduate or Post-Graduate degree from any stream. Some programs may require a minimum percentage (e.g., 50%) in graduation and full-time education.

Experience: Roles range from Fresher/Entry-Level (0-2 years) to experienced Sales Managers.
Skills: Strong communication skills, high sales orientation, and the ability to acquire new customers and deepen existing relationships.
Other: Many field-based sales roles may require a two-wheeler and a valid driving license.

Job profile:

Job Title	Focus Area	Typical Experience Required
Sales Officer / Field Sales Officer	Primarily field-based sales for specific products like Home Loans (often through HDFC Sales) or other retail assets (Credit Cards, Personal Loans).	Fresher to 2 years
Business Development Manager/Executive	Focusing on new customer acquisition and generating business for a specific product segment (e.g., SME, Commercial Vehicle Loans).	Varies by segment

Sales Officer (Entry Level)

This is typically a field-intensive, target-oriented role focused on new customer acquisition and direct sales.

Aspect	Description
Role and Responsibilities	Primarily responsible for selling banking products (like Savings Accounts, Current Accounts – CASA, Loans, Credit Cards, Insurance, and Mutual Funds) within an assigned geographical area or branch. It involves extensive field activities, lead follow-up, and achieving monthly sales targets.
Hiring Route	Often hired through the ICICI Sales Academy Program, which is a “hire-and-train” model involving a blend of classroom training and an internship.
Eligibility	Typically Graduates (non-Engineers/MBA holders are sometimes preferred for the Sales Academy) with 0-2 years of experience and an age limit (often below 26 years).

Relationship Manager (RM) / Key Account Manager:
- Focus: Managing a portfolio of mapped customers (e.g., retail, HNI, corporate) to deepen relationships, provide professional service, and cross-sell the bank’s various products (e.g., banking products, Insurance (LI/GI), Mutual Funds (MF), Gold Loans).
- Requirements: Generally requires a Graduate degree and relevant sales/relationship experience.
Business Development Manager (BDM) / Sales Officer:
- Focus: Primarily on new client acquisition and generating business for specific products like personal loans, commercial vehicles, or retail assets. Often a field-based, target-driven role.
- Requirements: Often open to fresh graduates or those with 0-5 years of sales experience.

Operations & Service Roles

These roles focus on the day-to-day functioning of the bank, customer service, and ensuring smooth delivery of services.

Service Delivery Manager (SDM) / Management Trainee:
- Focus: Managing the non-trade and general banking operations within a branch. Key responsibilities include customer servicing, handling queries, managing transaction processing, checking KYC documents, and ensuring regulatory compliance. This is a common entry point for MBA graduates.
Virtual Relationship Manager (VRM) / Teller:
- Focus: VRMs manage customer relationships through digital channels. Tellers handle cash and transactional services at the counter.

Branch Sales Officer (BSO) / Field Sales Officer: This is typically an entry-level, highly target-driven role with significant field activity.

Core Responsibility: Generating new business, primarily focusing on CASA (Current Account and Savings Account) acquisition. This often involves outdoor/field visits to identify prospective customers.
Products: Selling Savings Accounts, Current Accounts, Fixed Deposits, and cross-selling non-core products like Life Insurance, Mutual Funds (MF), Gold, and Loans/Credit Cards.
Key Requirement: Strong lead generation and convincing skills. Often a Graduate with 0-2 years of experience. Having a bike/two-wheeler is sometimes necessary for field mobility.

Relationship Manager (RM) / Customer Relationship Officer (CRO) : These roles focus on managing and deepening relationships with the bank’s existing or newly acquired customers.

Core Responsibility: Deepening the relationship with a mapped set of customers to increase the bank’s “wallet share.” This is achieved by understanding customer needs through profiling and cross-selling appropriate banking and wealth products (e.g., Demat, Bill Pay, Advisory, Loans).
Focus: Ensuring customer satisfaction, handling service requests/complaints, and retaining customers to control attrition.
Segments: RMs may be placed in various segments, including Retail Banking, Corporate Salary, or Wholesale Banking.

The main sales roles at Ujjivan Small Finance Bank can be divided based on the product and customer segment:

1. Microbanking Sales Roles (Core Segment)

Ujjivan SFB originated as a microfinance institution, so these roles are critical and often involve fieldwork in rural and semi-urban areas.

Customer Relationship Officer (CRO) – Micro Banking:
- Focus: This is often an entry-level field role focused on acquiring and managing customers for Microloans (Group/Individual Loans) and Micro-Deposits (Savings Accounts/Fixed Deposits).
- Responsibilities: Identifying potential customers in the assigned geographic area, educating them on the bank’s products, loan origination (appraisal, disbursement), and ensuring timely collection/repayment.
- Environment: Highly target-driven, requiring extensive local travel and direct engagement with the target customer segment.

2. Retail/General Banking Sales Roles

These roles focus on selling general banking products and managing relationships across all customer segments (retail, HNI, and corporate).

Relationship Officer / Sales Officer:
- Focus: Responsible for CASA (Current and Savings Account) acquisition and selling other retail liability products like Fixed Deposits (FDs) and Recurring Deposits (RDs). They also focus on acquiring customers for specific retail asset products (e.g., Home Loans, Personal Loans).
- Responsibilities: Lead generation, conducting sales presentations, maintaining customer relationships, and cross-selling third-party products like Insurance and Mutual Funds.
Customer Relationship Manager (CRM) / Virtual Relationship Manager (VRM):
- Focus: Managing a portfolio of existing high-value customers to deepen relationships and cross-sell products. VRMs handle this relationship remotely via phone/digital channels.
- Responsibilities: Providing financial advisory, ensuring high customer service levels, and increasing the customer’s overall engagement (wallet share) with the bank.

Key Sales Roles in NBFCs

Job Title	Focus Area	Core Responsibilities
Sales Officer / Field Sales Executive	Entry-Level/Frontline Sales (e.g., loan sourcing, new customer acquisition).	Lead Generation and conversion, conducting market visits, collecting necessary documents (KYC), completing loan application logins, and achieving daily/monthly disbursement targets.

Core Responsibilities and Requirements

Sales professionals in an NBFC are typically responsible for:

Customer Acquisition: Generating new leads through field visits, tele-calling, or working with channel partners (like Direct Selling Agents or dealers).
Product Sales: Effectively selling the NBFC’s primary product, which could be anything from Personal Loans, Business Loans, Home Loans, Gold Loans, or Vehicle Loans, depending on the company’s specialization.
Process and Documentation: Completing all application formalities, conducting basic creditworthiness checks (initial assessment/verification), and ensuring all necessary Know Your Customer (KYC) documentation is collected accurately and compliantly.
Target Achievement: Consistently meeting or exceeding aggressive sales targets, which are often measured by the number of loan logins and the total loan disbursal amount.

Compliance: Adhering to the NBFC’s internal policies and external regulatory guidelines (set by the RBI) during the sales process

Retail Sales

While often handled by intermediary channels, some AMCs have a direct sales force for high-net-worth individuals or specific direct funds.

Role Title: Direct Sales Executive, Relationship Manager (HNI/Wealth)
Clients: High-Net-Worth Individuals (HNIs), Family Offices, and direct retail investors.
Focus: Acquiring direct clients, providing product advice, and cross-selling the AMC’s suite of investment products.

Core Job Duties and Qualifications

Primary Responsibilities

Client Acquisition (AUM Growth): The ultimate goal is to increase the company’s Assets Under Management (AUM) by bringing in new client money.
Product Expertise: Acting as a subject matter expert on the AMC’s funds, including their investment philosophy, past performance, portfolio composition, and associated risks.
Market Intelligence: Providing feedback from clients and the market to the Portfolio Management and Product teams to aid in strategy and new fund development.
Compliance: Ensuring all sales activities, presentations, and communication adhere strictly to regulatory guidelines (e.g., SEBI norms).

Qualifications and Skills

Education: A Bachelor’s degree in Finance, Economics, or Business is standard. A Master’s degree (MBA) or equivalent is highly preferred for senior roles.
Professional Certifications: The NISM certification is mandatory for selling mutual funds in India. The CFA (Chartered Financial Analyst) or CFP (Certified Financial Planner) designations are highly valued, especially in Institutional and HNI sales, as they demonstrate deep investment knowledge.
Key Skills: Exceptional communication and presentation skills, deep investment knowledge, and a proven ability to build and maintain long-term professional relationships.

What We Offer

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Learn from the experts

Courses taught by experienced professors and industry professionals

Learn from the experts

Courses taught by experienced professors and industry professionals