Job Purpose

To facilitate acquisition of new current account customers in the branch
Ensure Activation and value build-up in newly acquired current account customer portfolio value enhancement from portfolio of customers assigned.
Higher customer wallet share of float and focus on cross-sell of business need products & personal banking and investment products to portfolio customers.

Job Responsibilities(JR)

Actionable

Acquisition and Value Build Up

Achievement of new acquisition value and number plan for retail current accounts for the branch. (responsibility on new acquisition plans/product mix etc. will be basis the acquisition model )
Ensure overall value enhancement from the portfolio of customers handled.

Portfolio Management

Responsible for monitoring the portfolio health of portfolio retail current accounts in the branch, with respect to on-boarding, activation, value build-up & AQB maintenance
Understanding the customer business and prepare customer profile
Maintain continuous customer engagement through customer visits contacts and proactive resolution of customer issues queries.
Proactively monitoring balances and controlling attrition.

Product and Market Penetration

Focusing on Profile-based selling approach, for cross - sell of value added products/services
acquisition of new to bank liability customer through referral of portfolio customers.- Market Penetration
Support catchment profiling for the branch for CA potential with the help of branch sales team
Regular conduct activities in catchment area for lead generation for current accounts , have joint activities with other Asset departments for lead generation.
Monitoring of sourcing of current account by Sales Team or Sales officer linked to the branch
Increase SB , FD , RD , digital etc penetration to current accounts

Customer Engagement

Action on central triggers initiatives on value build up, cross sell and portfolio monitoring as per Branch Sales Process Product Customization
Work in close consultation with the central product team to modify the product features parameters to ensure right product fitment for portfolio customers (Product Customization).
Provide regular inputs to the product team on competition benchmarking, opportunities and segmentation, product features and quality of portfolio acquired.
Customize current accounts to suit the requirement of the client and offer proper payment collection solutions Operations
Ensure forms are filled properly and processes within TAT

Educational Qualifications

Key Skills

Certifications:

NISM V-A Certification
IRDA Certification
NCFM Certification (Optional)
CAIIB (Optional)
Internal Certification
GI certification
Basic knowledge of banking products services
Good relationship management and presentation skills
Effective communication and influencing skills
Preferably having prior experience in sales relationship management roles in banking (including branch banking or other banking verticals) or financial services.

Experience Required

Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)

Branch Sales Manager

HCM Cloud Functional