Retail Branch Banking - BM/RM/Personal Banker/Authorizers

Key Responsibilities:

1. Branch Business Leadership

• Drive overall branch profitability and meet sales and revenue targets across all banking products: CASA, Loans, Insurance, Mutual Funds, Credit Cards, and Third-Party Products.
• Monitor key performance indicators (K.O. parameters) for all Relationship Managers (RMs), including Income, CASA Units, Digital Adoption, Retail & Business Assets, and Insurance.
• Own and uplift performance of underperforming RMs through regular coaching and strategy alignment.

2. Customer Relationship Management

• Build and nurture lasting relationships with Preferred Customers (avg. balance ?2 Lakhs+).
• Regularly review client portfolios and align solutions with financial goals and market conditions.
• Ensure periodic client engagementtouchpoints at least every 2 months; participate in joint client visits.

3. Sales and Cross-Selling

• Actively support cross-selling and up-selling initiatives to enhance customer wallet share.
• Promote bank products (UFDs, Credit Cards, Demat, SIPs, Life Insurance) and ensure monthly revenue generation.

4. Operational Excellence & Compliance

• Lead branch operations with a focus on compliance, KYC/AML, and risk mitigation.
• Monitor financial data and optimize cost efficiencies; ensure timely reporting to management.

5. Team Development

• Build a high-performance culture by fostering collaboration, conducting regular trainings, and mentoring team members.
• Align team efforts with branch strategy and customer-centric service delivery.

Job Title: Personal Banker Classic

Location:

Reporting To:

Key Responsibilities:

1. Sales & Business Development

• Actively participate in both branch sales and operational activities.
• Achieve sales targets by sourcing new accounts and generating leads via catchment working, referrals, and internal databases.
• Promote core banking productsCurrent & Savings Accounts, Credit Cards, Loans, Mutual Funds, FDs, and Insurance.

2. Customer Engagement

• Provide excellent service to Classic Customers; address queries, grievances, and requests effectively.
• Conduct regular client interactions with a minimum of 6 joint visits per month; ensure meaningful engagement every 2 months.

3. Portfolio Growth & Revenue Generation

• Enhance the value of the mapped customer portfolio through cross-selling and deepening relationships.
• Ensure monthly revenue targets are met through banking and investment product activations.

4. Compliance & Documentation

• Ensure all new customer acquisitions comply with KYC and AML guidelines in letter and spirit.
• Maintain clean documentation and adherence to regulatory and bank norms.

5. Team Collaboration

• Work closely with branch colleagues and cross-functional teams to meet collective branch targets.
• Support in branch marketing initiatives and promotional campaigns to increase local visibility and customer footfall.