RBB-Personal Banker Classic

HDFC Bank Limited; Umaria; On-site; INR 300,000 - 480,000; Full time

Job summary

HDFC Bank Limited is seeking a Personal Banker for its Retail Branch Banking team in India. You will manage the Classic portfolio, acquire new customers, deepen relationships and deliver exceptional service to maximize wallet share.

You will cross-sell Demat, MF, Insurance, and Advisory products; ensure KYC compliance and accurate documentation while maintaining CRM records. Graduation is required; NISM/IRDA/GI certifications are preferred.

Qualifications

• Sales and influencing skills mentioned for the role.
• Banking product knowledge relevant to branch banking.
• Planning and organizing to manage portfolios and activities.

Responsibilities

• Sales: Ensure Sales responsibilities are completed.
• Managing Classic Portfolio: Update CRM with detailed customer interactions; group customers; achieve income-generating benchmarks; enhance wallet size; manage benchmark customer numbers; monitor profitability.
• Customer Services: Deliver quality customer service; resolve complaints within TAT; promote direct banking channels; assist customers; ensure timely account opening and communication.
• Operations: Maintain daily sales reports; ensure quality acquisition of savings and current accounts; cross-sell Demat, Bill Pay, and Advisory; monitor large account movements; promote MF, Insurance, and Bonds; ensure accurate documentation; adhere to KYC and 5-S; manage locker operations; update CRM for asset leads.

Skills

Sales skills

Banking product knowledge

Communication

Planning and organizing

Competitive knowledge

Education

Graduation

Post-graduation preferred

Tools

NISM V-A Certification

IRDA Certification

GI Certification

Job 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.

Required Skills

Test