RBB-Personal Banker Classic

HDFC Bank; Madhya Pradesh; On-site; INR 300,000 - 540,000; Full time

Job summary

HDFC Bank in India invites applications for a Personal Banker in Retail Branch Banking. You will manage the Classic portfolio, acquire new customers, deepen relationships through cross-selling, and deliver exceptional service to become the primary banker for Classic relationships.

You will report to the Branch Head and participate in sales, customer service, and operations, including KYC compliance, account openings, documentation, and cross-selling products like MF, Insurance, and Bonds.

Qualifications

• Graduation is required; Post-graduation preferred.
• NISM V-A Certification, IRDA Certification, and GI Certification are desirable.
• Strong sales, customer service, and banking product knowledge.

Responsibilities

• Sales: complete sales responsibilities and achieve benchmarks.
• Managing Classic Portfolio: group customers with family members to enhance relationships and maximize wallet share.
• Customer Services: deliver quality service and resolve complaints within TAT; promote direct banking channels.
• Operations: maintain daily sales reports; ensure quality account openings; cross-sell products like MF, Insurance, and Bonds; update CRM with asset leads.

Skills

Sales

Banking knowledge

Communication

Planning & organizing

Influencing

Education

Graduation

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.

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

Version No

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.