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 Customisation
- 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.
- Customise 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
- Graduation:
- Post-Graduation:
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
- Minimum experience in years 2 yr
- Exposure to banking preferable
Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
- Customers
- Branch Banking Team
- Operations
- HLIC
- Insurance CAM
- MF Fund houses personnel
- HSL personnel
