Personal Banker

Yes Bank Ltd.; Bengaluru; On-site; INR 300,000 - 520,000; Full time

Job summary

Yes Bank Ltd. is seeking a Personal Banker in Bengaluru to manage account opening, maintenance, closures, and daily banking operations for customers. You will respond to inquiries, ensure process adherence, and coordinate with product and RM teams to uphold service standards.

The role requires 1–6 years in Banking or Financial Services, with proficiency in MS Excel and strong communication skills. Prior exposure to banking software and compliance policies will be advantageous.

Qualifications

• Graduate with relevant banking knowledge; post-graduate preferred.
• AMFI/NCFM/IRDA/JAIIB/CAIIB certifications are advantageous.
• Experience in Banking or Financial Services is preferred (1–6 years).
• Proficiency with MS Excel and communication skills is expected.

Responsibilities

• Handle account opening, maintenance, and closure with accuracy.
• Respond to customer enquiries and ensure compliance with processes.
• Process transactions with proper documentation and checks.
• Maintain service quality and monitor data/records for efficiency.
• Support audits and ensure regulatory compliance.

Skills

MS Excel

Communication skills

Customer service

Problem-solving

Banking software systems

Education

Graduate, (Post Graduate preferred)

AMFI/NCFM/IRDA/JAIIB/CAIIB certifications

Tools

Banking software systems

Job description

Personal Banker

Job description

1. Account Opening & Maintenance: Run the processes for account opening, account maintenance & account closure related formalities as per YBL process Handle customers enquiries and instructions, whilst ensuring that the Bank's delivery standards are met in achieving total customer satisfaction. e.g. timely checking of account opening documentation, opening of Accounts etc. Ensure adherence to process & documentation standards (e.g.,forms/checklists, welcome calling, approvals, etc.) Ensure pro-active & sustained liaison with NOC, Product, Sales RM, etc. where required Maintain strict vigilance on the quality of forms and documentation provided Ensure timely follow up with Sales RMs of all BUs for resolution of any outstanding deferrals.

2. Transactions Related: Ensure proper scrutiny of all transactional documents submitted by the customer vis--vis branch checklist to ensure all that all necessary documents are submitted by the customer. Address all transaction related enquiries i.e. pre, during & post transaction processing & escalations Ensure strong monitoring of all transactions

3. Service & Quality: Ensure that all people, process, data & systems in the branch are well attended to deliver consistent & superior levels of service to all customers. Ensure that adequate records & data pertaining to customer queries and complaints is maintained & analysed for achieving greater process efficiency Ensure daily / weekly monitoring & analyses of various data points & reports that have bearing on Customer Service & process adherence. Play a pro-active role in new products, processes or systems roll out impacting the clients Coordinate with relationship managers and meet / interact with key clients on a periodic basis to stock take on service levels and customer satisfaction. Ensuring collection of CSS forms on periodic basis and sent to NOC. Implementation of 5S, ISO 9001:2000, Six Sigma standards & meet/exceed set quality parameters conforming to the standards.

4. Audit & Compliance: Responsible to follow all process, policies as per guidelines & audit rating of the branch Ensure comprehensive compliance with all internal, regulatory and statutory requirements as relevant for various product and services from a branch perspective Attend to any audit findings and resolve them immediately as applicable

5. Others: Maintain highest levels of discipline (punctuality, attendance, grooming standards etc) in the office Ensure timely escalation of issues that is impacting business and possible solutions to address the concerns to the BSDL. Manage Local Vendors /agency relationships to ensure smooth execution of transaction Responsible for Branch upkeep & maintenance and control over the cost Must be thorough with banking processes, regulations & guidelines across retail products. Comply with bank policies and procedures to ensure safety and security of bank's and customer's assetsEducation:

• Graduate, (Post Graduate preferred)
• AMFI/NCFM/IRDA/JAIIB/CAIIB & such relevant certifications will be an added advantage Past Experience:
• 1-6 years of work experience in Banking or Financial Services Other Aspects / Skills:
• Comply with bank policies and procedures to ensure safety and security of bank's and customer's assets Expected CandidateAge Minimum 21 to Maximum 28 years Profile Education:
• Should be very proficient with use of Banking Software Systems
• Should score at least 6 on 10 in proficiency with MS Excel and Communication skills
• Overall Personality Must be Good & befitting the stature of the role
• Must be a person who has strong sense of personal accountability, takes initiative & has tremendous positive energy/enthusiasm
• Ability to balance various priorities & accomplish multiple tasks in parallel