Personal Banker - Classic Portfolio

Role Overview

The Personal Banker will be responsible for managing the Classic portfolio by attracting new clients and enhancing existing customer relationships through cross-selling while providing outstanding service. The objective is to establish oneself as the primary banker for these clients and maximize the share of wallet.

Core Responsibilities

• Achieve assigned sales targets consistently and manage customer benchmarks within the Classic portfolio.
• Develop family group customer relationships to strengthen engagement and profitability.
• Drive income growth by meeting income product benchmarks and expanding wallet size.
• Maintain detailed records in CRM, capturing comprehensive customer interactions and managing asset leads as well as data cleansing.
• Provide superior customer service by resolving complaints expediently and promoting digital banking channels.
• Ensure prompt account opening processes and ongoing communication with customers.
• Prepare daily sales reports and maintain quality standards for acquisition of savings and current accounts.
• Promote and cross-sell products such as Demat accounts, Bill Pay services, advisory offerings, mutual funds, insurance, and bonds.
• Monitor and track large account transactions to prevent customer attrition.
• Adhere strictly to KYC guidelines and maintain high organizational standards including 5-S methodology.
• Administer locker services and manage standing instructions accurately.
• Ensure documentation accuracy for all account openings and related instructions.

Qualifications & Certifications

• Minimum educational qualification: Graduation; Post-graduation is preferred.
• Certifications required: NISM V-A, IRDA, and General Insurance certifications.

Key Skills & Competencies

• Strong sales aptitude and influencing capabilities.
• Deep understanding of banking products.
• Effective planning and organizational skills.
• Excellent communication abilities.
• Awareness and knowledge of competitive landscape.

Stakeholder Interaction

Coordinate and collaborate with customers, branch banking staff, operations teams, insurance channel associates, mutual fund fund houses, and HSL personnel.