Customer Service Officer (CSO)

WorkzApp; Mumbai; On-site; INR 240,000 - 360,000; Full time

Job summary

ESAF Small Finance Bank is seeking a Customer Service Officer to provide frontline banking support at the branch. You will handle customer queries, assist with account openings, and manage day-to-day transactions with professionalism.

Fresh graduates are welcome, and you will promote banking products while ensuring RBI compliance and building lasting customer relationships. Training will cover banking operations and compliance requirements.

Qualifications

• 12th Pass or UG qualification required.
• Strong English and regional language communication.
• Basic computer literacy and MS Office proficiency.

Responsibilities

• Handle and resolve customer queries on savings and current accounts.
• Open new bank accounts and guide customers through the account opening process.
• Assist customers with deposits, withdrawals, fund transfers, and daily transactions.
• Promote banking products including insurance, fixed deposits, and loan products.
• Verify and process customer documents for KYC compliance.

Skills

Communication skills

MS Office

Customer handling

Team player

Education

12th/UG qualification

Tools

Banking software

Job description

Responds within 48 hours

About the role

About the Company ESAF Small Finance Bank is a trusted financial institution committed to providing accessible banking services to communities across India. With a strong focus on customer satisfaction and financial inclusion, ESAF operates through a network of branches dedicated to serving diverse customer segments with integrity and professionalism.

Role Overview The Customer Service Officer (CSO) is a front-line banking professional responsible for delivering exceptional customer service while facilitating smooth banking operations at the branch. This full-time position is ideal for freshers and graduates looking to launch their career in the banking sector, requiring you to manage customer interactions, process account-related transactions, and promote banking products with professionalism and enthusiasm.

Key Responsibilities • Handle and resolve customer queries related to savings accounts, current accounts, and other banking products • Open new bank accounts and guide customers through the account opening process • Assist customers with deposits, withdrawals, fund transfers, and other day-to-day banking transactions • Promote and cross-sell banking products including insurance plans, fixed deposits, and loan products • Verify and process customer documents for KYC (Know Your Customer) compliance • Maintain accurate records and ensure all transactions are documented correctly • Resolve customer complaints professionally and escalate issues to management when needed • Ensure compliance with RBI guidelines, banking regulations, and internal bank policies • Develop and maintain strong customer relationships to enhance customer retention and satisfaction

Must-Have Skills • Strong verbal and written communication skills in English and regional languages • Basic computer literacy and proficiency with MS Office applications • Excellent customer handling and interpersonal abilities • 12th Pass or Undergraduate (UG) qualification • Positive attitude with strong work ethics and reliability • Ability to work in a team environment and adapt to banking environment • Knowledge of basic banking terminology and concepts

Good to Have • Sales orientation and ability to meet sales targets • Experience with banking software or CRM systems • Customer service experience in any sector • Additional certifications in banking or finance • Multilingual capabilities beyond English and regional languages • Experience in handling cash and financial transactions

What You Will Gain • Comprehensive training in banking operations, products, and compliance requirements • Opportunity to develop professional communication and customer service excellence skills • Exposure to RBI regulations and banking compliance standards in a real-world banking environment • Sales and business development experience through product promotion and cross-selling • Clear career progression pathway within ESAF Small Finance Bank's growing network

Resume Keywords: Customer Service Officer, Banking Operations, KYC Verification, Customer Handling, Banking Products, Savings Accounts, Account Opening, Fund Transfers, Sales Promotion, RBI Compliance, Customer Relationship Management, Cash Handling, Banking Software, Complaint Resolution, Financial Services, Branch Operations

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Skills & tools

Customer Service Banking Operations KYC Verification Sales MS Office Communication Complaint Resolution

Job type

Location

💰 Estimated ₹2.4L – ₹3.6L/yr based on Indian market benchmarks