Personal Banker - Outbound (Branch Banking Relationship Management) | Kotak Mahindra Bank

Role Purpose

The Personal Banker - Outbound is a branch-based sales and relationship management role responsible for acquiring new customers, growing CASA business, generating revenue through cross-selling, and building long-term customer relationships.

Key Responsibilities

Customer Acquisition

Acquire New-to-Bank (NTB) customers through field activities, referrals, and branch-generated leads.
Source high-value Savings Account and Current Account customers.
Build and expand family banking relationships.

Sales & Revenue Generation

Achieve branch retail liabilities and CASA business targets.
Cross-sell banking and third-party products:
- Insurance
- Fixed Deposits
- Mutual Funds
- Debit/Credit Cards
- Investment Products
Meet assigned value, volume, and productivity metrics.

Relationship Management

Engage customers through calls, meetings, and branch visits.
Understand customer financial needs and provide tailored solutions.
Maintain strong customer relationships to improve retention and wallet share.

Customer Engagement Activities

Contact prospective and existing customers regularly.
Conduct daily customer meetings and follow-ups.
Convert leads into active banking relationships.

Compliance & Service

Ensure KYC and AML compliance during account acquisition.
Maintain accurate customer records in CRM systems.
Deliver high service standards while achieving sales objectives.

Required Skills

CASA Sales
Customer Acquisition
Relationship Management
Cross-Selling
Sales Negotiation
Networking & Prospecting
Communication Skills
CRM Management
Target Achievement

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