Personal Banker Sales : South Mumbai

2 - 7 Years

Job Description

Overall Goal
Providing best in class banking services to our customers
Maximizing the CTG / IPH of classic portfolio management assigned
Opening of NTB accounts and add more customers to portfolio
Ensure growth of portfolio total value.
Key Result / Responsibility Areas:
Sales to Portfolio customers
Manage the benchmark number of customers in the portfolio
Extend Classic benefits to customers basis identification in eligibility lists/ LTR
Ensure that individual customers are grouped and Customer To Group (CTG) Ratio is
maintained on the portfolio
o By grouping them with their family members who already hold accounts with us
o By grouping them with their family members post selling liability products to the
family members, if they do not have banking relationship with us

Ensure that optimal levels of Income generating Product Group Holding (IPH) is reached
o Ensure that within each customer group a minimum number of stipulated
Income Generating products are sold

Ensure that the Customer Group profitability is achieved
o Manage Band 1 and 2 customers and ensure that they are moved to Band 3 and

Enhance Values within each of the customer groups
Online updation of CRM Next at every stage of customer contact on the portfolio
Proactively raising the eligible customers to the classic portfolio within the prescribed
product programme.
Migrating customers to use direct banking channels for various request. Providing
various demos to customers.
Digital Demos Benchmark / effective migration of portfolio customers from physical
mode to Digital Platform
Educating customers of various bank Payments options including Pay Zapp / Chillr/
Buying products using Smart Buy
Ensure that all classic customers within the portfolio are contacted
Each PB Sales should meet his Liability growth plan which also needs to define is score
Achievement of income plans and other benchmarks within portfolio
o Ensure that income plans for the month and year are duly met across products
o Achieving of portfolio level benchmarks of and IPH
o Income product to be sold to each group of the portfolio in the year
o Ensure that the benchmark sales per month is met
o Ensure to achieve Sales to Portfolio (STP) bench mark.

o Ensure achieving Personal visit and contractibility bench mark.

Sales to Non Portfolio customers
CH 106 and CH 104 Calling
o Structured bundled offering of products and services to the customer within the
defined time line
o Ensure quality lead generation while interaction with customers.
Ensure quality new acquisition on SA and CA for Resident/Non Resident
o Walk Ins
o Portfolio
o Referrals
Family members
o Attrition control
Includes persuading the customer to continue and if required renew
Deepen by cross selling sticky products like Demat, Bill Pay, Advisory.
Ensure all EMI and ECS is linked to this account.
Ensure quality of relationship while flagging. Should be capable of
maintaining eligibility
Regular customer contact to establish needs of the customer and
opportunities to cross-sell
Monitor large amount movements and account closure from the
deposit accounts and ensure that customer does not attrite
Ensure that the marketing analytics list on possible attrite, is called and

Propagate the benefits of not being on DNC registration list in case a non-portfolio
customer opts for it
Ensure to have in 125 active groups in portfolio.
Productivity of 6 income products per day.
Penetration of FD to unique customers
Sales of various Credit Cards
o Activation
o Pitch for enhancement of limits
o Promote active usage of credit cards
Sales of Third Party Products to the customers / Asset products
To ensure that all accounts savings and current account (non ABM branches) opened in
the month are activated as per product definition at the end of the next month. All such
accounts to maintain more than the required AMB
To ensure that all LTD accounts are activated and remain in the same state month on
o Maintain the list of active and inactive customers for both CA and SB and
engage with the customers for balance build up and cross sell.
o Calling of customers who have not transacted and know the reasons.
o Escalate to BM / Product on any change in market situation / threat from
competition due to which customers have stopped operations.

Calling on Large Value Attrition:

o Customers who have attrited over a certain value (as defined by product) for
both savings and current accounts to be called and reasons ascertained
o To impress upon customers to make us the primary bankers and ensure that all
funds are retained.
Enhancing customer wallet size
o Ensuring that customers make us their primary bank
Knowing about where all the customer is currently banking and moving
him to our Bank
Ensuring that customer scope is done and products targeted accordingly
Sales to family members and associates (all network)
Migrating customers to use direct banking channels for various request.
Digital Demos Benchmark / effective migration of portfolio customers from physical
mode to Digital Platform
Educating customers of various bank Payments options including Pay Zapp / Chillr/
Buying products using Smart Buy
To achieve NTB targets every quarter
To meet all active customers in a quarter on a pro rata basis and update CRM for sales /
service interactions on a daily basis.
Customer Services
Ensure quality customer service is delivered
Recording complaints as per the specified process
Resolving all complaints received (self, branch, other units) within the stipulated TATs
o Ensure appropriate customer communication on closures & copy of that to be

Preventive complaint management
o Asking for feedback from customers, on various bank products / services
Promoting all direct banking channels and ensuring that the customer is utilizing the
Responsibility of opening the customer account within the TAT.
Opening of Accounts at branch / Outside the bank premises
Checking all details filled by customer on account opening form / customer instruction.
As a locker custodian ensure that locker allotment and all other related operations is as
per prescribed process
Updation of LTS for the asset leads generated
Updation of LTR on line portal for portfolio customers daily
Updation of weed-out database on the portal
Ensure that 5-S norms are adhered to for individuals workstation
Updation of all leads / Status / customer interactions in CRM Next post every
All Management initiative needs to be attend proactively.
Daily updation of pending register for unprocessed customer instructions at desk.
Follow up with portfolio customers for compliance of Regulatory requirements
o Form 60/61
o Re-Kyc documents.

Salary: Not Disclosed by Recruiter

Industry:Banking / Financial Services / Broking

Functional Area:ITES, BPO, KPO, LPO, Customer Service, Operations

Role Category:Operations

Role:Business Development Manager

Employment Type:Permanent Job, Full Time


Desired Candidate Profile

Please refer to the Job description above

Company Profile

Skill Ventory

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Contact Company:Skill Ventory