Job Purpose
To facilitate acquisition of new current account customers in the branch
Ensure Activation and value build-up in newly acquired current account customer portfolio / value
enhancement from portfolio of customers assigned.
Higher customer wallet share of float and focus on cross-sell of business need products & personal banking
and investment products to portfolio customers.
Job Responsibilities(JR) Actionable
Acquisition and Value Build Up
Achievement of new acquisition value and number
plan for retail current accounts for the branch.
(responsibility on new acquisition plans/product
mix etc. will be basis the acquisition model )
Ensure overall value enhancement from the
portfolio of customers handled.
Portfolio Management Responsible for monitoring the portfolio health of
portfolio retail current accounts in the branch, with
respect to on-boarding, activation, value build-up
& AQB maintenance
Understanding the customer business and prepare
customer profile
Maintain continuous customer engagement
through customer visits / contacts and proactive
resolution of customer issues / queries.
Proactively monitoring balances and controlling
attrition.
Product and Market Penetration Focusing on ‘Profile-based selling’ approach, for
cross - sell of value added products/services
acquisition of new to bank liability customer–
through referral of portfolio customers.- Market
Penetration
Support catchment profiling for the branch for CA
potential with the help of branch / sales team
Regular conduct activities in catchment area for
lead generation for current accounts , have joint
activities with other Asset departments for lead
generation.
Monitoring of sourcing of current account by Sales
Team or Sales officer linked to the branch
Increase SB , FD , RD , digital etc penetration to
current accounts
Customer Engagement Action on central triggers / initiatives on value
build up, cross sell and portfolio monitoring as per
Branch Sales Process
Product Customisation Work in close consultation with the central product
team to modify the product features / parameters
Classifi
cation -
Interna
l
Classifi
cation -
Interna
l
to ensure right product fitment for portfolio
customers (Product Customization).
Provide regular inputs to the product team on
competition benchmarking, opportunities and
segmentation, product features and quality of
portfolio acquired.
Customise current accounts to suit the
requirement of the client and offer proper
payment / collection solutions
Operations Ensure forms are filled properly and processes
within TAT
Educational Qualifications Key Skills
Graduation:
Post-Graduation:
Certifications:
NISM V-A Certification
IRDA Certification
NCFM Certification (Optional)
CAIIB (Optional)
Internal Certification
GI certification
Basic knowledge of banking products / services
Good relationship management and presentation
skills
Effective communication and influencing skills
Preferably having prior experience in sales /
relationship management roles in banking
(including branch banking or other banking
verticals) or financial services.
Experience Required
Minimum experience in years – 5 yr
Exposure to banking preferable