Banker-Authorizer

IDFC FIRST Bank; Saharanpur; On-site; INR 1,200,000 - 2,100,000; Full time

Job summary

IDFC FIRST Bank is seeking a Bank Authorizer for its Retail Banking division to strengthen branch operations and customer service across PAN India. This role emphasizes growth in core retail products, regulatory compliance, and cross-selling initiatives within a busy branch network.

The incumbent will engage customers daily, ensure service quality, and contribute to liability growth while maintaining high standards of integrity and accuracy in all banking activities.

Qualifications

• Graduate degree required; postgraduate preferred.
• Minimum 6 years of relevant banking experience.
• Strong customer engagement and relationship management.
• Fluent in English with strong business communication.

Responsibilities

• Engage daily with customers to drive growth in Current Accounts, Savings Accounts, and Term Deposits; cross-sell assets and wealth products.
• Achieve business targets as defined in the scorecard.
• Provide need-based product solutions by aligning customer requirements with banking offerings.
• Assess customer potential and ensure higher product penetration per relationship.
• Generate referrals and additional business from existing customers.
• Ensure quick and effective resolution of queries and complaints; comply with AML, KYC, and data security regulations.
• Assist in the closure of audit observations and ensure audit compliance.
• Manage client relationships and deliver high-quality service across retail banking operations.

Skills

Customer engagement

Relationship management

Communication skills

Problem-solving

Sales targets achievement

Team handling

English proficiency

Education

Graduate in any discipline

Postgraduate degree preferred

Tools

Banking systems

Digital platforms

Job description

Job Description:

Job Requirements

About the Role

The Bank Authorizer is a critical role within the Branch Banking function of the Retail Banking , responsible for delivering best-in-class customer service and ensuring operational excellence across PAN India branches. The role focuses on engaging with customers, managing retail banking operations, driving liability growth, and ensuring compliance with regulatory standards. The incumbent plays a key part in enhancing customer satisfaction, supporting cross-sell initiatives, and contributing to the overall performance of the branch.

Key Responsibilities

Primary Responsibilities

• Engage daily with customers to drive growth inCurrent Accounts (CA),Savings Accounts (SA), andTerm Deposits (TD), along with cross-selling of asset and wealth products.
• Achieve business targets as defined in the performance scorecard.
• Provide need-based product solutions by aligning customer requirements with banking offerings.
• Assess customer potential and ensure higher product penetration per relationship.
• Generate referrals and additional business from existing customers.
• Ensure a customer-focused approach for quick and effective resolution of queries and complaints.
• Adhere to banking regulations and internal policies related toAnti-Money Laundering (AML),Know Your Customer (KYC), andData & Information Security.
• Assist in the closure of audit observations and ensure compliance with audit requirements.
• Manage client relationships and deliver high-quality customer service across retail banking operations.

Secondary Responsibilities

• Perform internal audits and ensure compliance with all regulatory and organizational guidelines.
• Continuously strive to enhance service quality and customer satisfaction.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate degree in any discipline is preferred.

Experience

• Minimum of 6 years of relevant experience in banking or allied sectors.

Skills and Attributes

• Strong customer engagement and relationship management skills.
• In-depth understanding of retail banking operations and compliance requirements.
• Excellent communication and problem-solving abilities.
• Proven ability to meet and exceed sales and service targets.
• High level of integrity and attention to detail.
• Proficiency in banking systems and digital platforms.
• Team handling experience preferred.
• Fluent in English with strong business communication skills