Branch Sales Manager

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 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 2 yr
• Exposure to banking preferable

Major Stakeholders

• Customers
• Branch Banking Team
• Operations
• HLIC
• Insurance CAM
• MF Fund houses personnel
• HSL personnel