RBB-Personal Banker Classic

HDFC Bank; Chhatarpur; On-site; INR 300,000 - 520,000; Full time

Job summary

HDFC Bank Limited in India seeks a Personal Banker to manage the Classic portfolio, acquire new customers, deepen relationships through cross-selling, and ensure exceptional service. The role aims to be the primary banker for Classic relationships and maximize wallet share.

The position involves sales, customer service, and operations within the Retail Branch Banking unit, reporting to the Branch Head, with responsibilities spanning CRM updates, KYC adherence, and cross-functional collaboration.

Qualifications

• Graduation is required; post-graduation preferred.
• Certifications listed: NISM V-A, IRDA, GI.
• Strong sales and banking product knowledge.
• Excellent communication and planning abilities.

Responsibilities

• Complete assigned sales tasks.
• Manage Classic Portfolio and deepen relationships; cross-sell products.
• Deliver quality customer service and resolve complaints within TAT.
• Maintain accurate CRM records and ensure timely account opening and documentation.

Skills

Sales skills

Banking product knowledge

Planning and organizing

Communication

Knowledge of competition

Education

Graduation required

Post-graduation preferred

NISM V-A Certification

IRDA Certification

GI Certification

Job description

Job Purpose

Manage Classic portfolio by acquiring new customers, deepening relationships through cross-selling, and retaining customers by delivering exceptional service. Aim to become the primary banker for Classic relationships and maximize wallet share.

Role Description

Job Title: Personal Banker

Business Unit: Retail Branch Banking

Reporting To: Branch Head

Job Function and Role Type: Sales – Retail Banking

Job Purpose

Manage Classic portfolio by acquiring new customers, deepening relationships through cross-selling, and retaining customers by delivering exceptional service. Aim to become the primary banker for Classic relationships and maximize wallet share.

Key Responsibilities

Sales

Ensure Sales responsibilities are completed.

Managing Classic Portfolio

• Manage benchmark customer numbers in the portfolio.
• Group customers with family members for enhanced relationships.
• Achieve income-generating product benchmarks.
• Enhance customer group profitability and wallet size.
• Update CRM with detailed customer interactions.

Customer Services

• Deliver quality customer service and resolve complaints within TAT.
• Promote direct banking channels and assist customers.
• Ensure timely account opening and customer communication.

Operations

• Maintain daily sales reports.
• Ensure quality acquisition of savings and current accounts.
• Cross-sell products like Demat, Bill Pay, and Advisory.
• Monitor large account movements and prevent attrition.
• Promote third-party products like MF, Insurance, and Bonds.
• Ensure error-free documentation for account opening and instructions.
• Adhere to KYC norms and maintain 5-S standards.
• Manage locker operations and standing instructions.
• Update CRM for asset leads and weed-out database.

Education

Graduation required; Post-graduation preferred.

Certifications

NISM V-A Certification, IRDA Certification, GI Certification.

Key Competencies

Sales and influencing skills, banking product knowledge, planning and organizing, communication, knowledge of competition.

Major Stakeholders

Customers, Branch Banking Team, Operations, Insurance CAM, MF Fund Houses, HSL Personnel.