Personal Banker

Yes Bank; Halvad; On-site; INR 300,000 - 520,000; Full time

Job summary

Yes Bank is seeking a responsible banking operations professional to ensure high-quality service to account holders. The role requires strong knowledge of banking operations, regulatory guidelines, and risk management, with focus on timely processing of account-related transactions and strict adherence to standards.

Responsibilities include opening, maintaining, and closing accounts, handling customer inquiries, coordinating with NOC/product/sales RM, and contributing to audit readiness and

Qualifications

• Bachelor's degree in a relevant field.
• Knowledge of banking operations and regulatory guidelines.
• Familiarity with risk management and compliance concepts.
• Commitment to service quality and customer satisfaction.

Responsibilities

• Account opening, maintenance, and closure as per YBL process.
• Handle customer inquiries and instructions with timely responses.
• Adhere to process and documentation standards (forms, checklists, approvals).
• Coordinate with NOC, Product, and Sales RM for service delivery.
• Ensure proper scrutiny of transactional documents and branch checklists.
• Maintain records and data to improve process efficiency and service quality.
• Interact with relationship managers and key clients to monitor service levels.
• Ensure 5S, ISO 9001:2000, and Six Sigma standards compliance.
• Attend to audits and resolve findings; maintain discipline and appearance.

Skills

Banking operations

Regulatory guidelines

Risk management

Service excellence

Audit & compliance

Education

Bachelor's degree

Job description

Role

The role holder is responsible for providing high levels of service quality to YBL account holders and ensure all customer enquiries and instructions are met satisfactorily. The incumbent must possess strong knowledge of banking operations, processes and regulatory guidelines. The role holder should be able to close all transactions effectively within the stipulated TATs.

Responsibilities

• Account Opening & Maintenance: Processes account opening, account maintenance & account closure related formalities as per YBL process
• Handles customers enquiries and instructions, whilst ensuring that the Banks delivery standards are met in achieving total customer satisfaction. e.g. timely checking of account opening documentation, opening of Accounts etc.
• Ensures adherence to process & documentation standards (e.g. forms/checklists, welcome calling, approvals, etc.)
• Ensures pro-active & sustained liaison with NOC, Product, Sales RM, etc. where required
• Maintains strict vigilance on the quality of forms and documentation provided
• Ensures timely follow up with Sales RMs of all BUs for resolution of any outstanding deferrals.
• Transactions: Ensures 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.
• Addresses and resolves all transaction related enquiries
• Ensures strong monitoring of all transactions
• Service & Quality: Ensures that adequate records & data pertaining to customer queries and complaints is maintained & analyzed for achieving greater process efficiency
• Ensures daily / weekly monitoring & analyses of various data points & reports that have bearing on Customer Service & process adherence.
• Coordinates 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.
• Audit & Compliance: follows all process, policies as per guidelines & audit rating of the branch
• Ensures comprehensive compliance with all internal, regulatory and statutory requirements as relevant for various product and services from a branch perspective
• Attends to any audit findings and resolves them immediately as applicable
• Others: Maintains highest levels of discipline (punctuality, attendance, grooming standards etc.) in the office
• Ensures timely escalation of issues that is impacting business and possible solutions to address the concerns to the DBM.
• Manages Local Vendors /agency relationships to ensure smooth execution of transaction
• Completes Branch upkeep & maintenance and control over the cost

People Management or Self- Management Responsibilities

Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year. Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training. Understands the competencies relevant to his/her role and works towards displaying as well as developing these effectively. Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks.

Risk and Internal Control

Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by the departmental manager. Executes the established internal control systems and compiles relevant information for departmental audits, as necessary.

SECTION V: KNOWLEDGE & EXPERIENCE

Qualifications Bachelors degree

Skills

• Knowledge of banking operations and regulatory guidelines
• Risk Management
• Service Excellence
• Audit & Compliance

Experience

A minimum of 1 year of relevant experience

BEHAVIORAL COMPETENCIES

• Customer Focus
• Listens to and demonstrates an understanding of customers stated needs
• Delivers customer value through timely and quality executionDevelops an understanding of basic MS office