Branch Sales Manager

Job Purpose:

• Facilitate acquisition of new current account customers in the branch.
• Drive activation and value build-up in newly acquired customer portfolio.
• Enhance wallet share through cross-selling business and personal banking products.

Job Responsibilities

1. Acquisition and Value Build-Up

• Achieve new acquisition value and number plan for retail current accounts.
• Deliver on acquisition model targets (value/product mix).
• Drive value enhancement from handled portfolio.

2. Portfolio Management

• Monitor health of retail current account portfolio: onboarding, activation, value build-up, AQB maintenance.
• Understand customer business and create detailed customer profiles.
• Maintain continuous engagement through visits, calls, and proactive query resolution.
• Monitor balances to reduce attrition.

3. Product and Market Penetration

• Use profile-based selling to cross-sell value-added products/services.
• Acquire NTB liability customers via referrals from portfolio customers.
• Support branch in catchment profiling and lead generation activities.
• Conduct joint sales activities with asset teams.
• Monitor current account sourcing by branch-linked sales officers.
• Drive penetration of SB, FD, RD, and digital products to current account holders.

4. Customer Engagement

• Act on central triggers and initiatives focused on value build-up, cross-sell, and portfolio monitoring.

5. Product Customization

• Liaise with central product team to ensure appropriate product fitment.
• Provide product team with inputs on competition, market segmentation, and portfolio quality.
• Customize current account offerings to client requirements, including payment and collection solutions.

6. Operations

• Ensure forms and documentation are completed correctly and processed within TAT.

Educational Qualifications

• Graduation: Mandatory
• Post-Graduation: Preferred
• Certifications:
• NISM V-A (Mandatory)
• IRDA (Mandatory)
• NCFM (Optional)
• CAIIB (Optional)
• Internal Certifications & GI Certification

Key Skills

• Basic knowledge of banking products and services
• Strong relationship management & presentation skills
• Effective communication and influencing abilities
• Sales and relationship management experience (preferably in banking or financial services)

Experience Required

• Minimum 2 years of experience
• Exposure to banking preferred

Key Stakeholders

• Customers
• Branch Banking Team
• Operations
• HLIC
• Insurance CAM
• Mutual Fund House Representatives
• HDFC Securities (HSL) Personnel