Personal Banker Classic|| Indore|| Gwalior|| Ashoknagar

Job Name PA (Business Unit) : RBB - Personal Banker Classic Retail Branch Banking

Job Purpose

Is responsible for Classic portfolio management by acquisition of new Classic customers and enhancement of the relationship by cross-selling products and services as per the profile & need of the customers. Acquiring

family accounts and deepening the size of the relationship and retention of the customers by providing the best

possible services and being the dedicated point of contact for these customers.

So that

We become the primary banker for these Classic relationships and maximize the share of wallet of these

customers.

Job Responsibilities(JR) Actionable

Sales • Maintain Daily Sales Report

• CH 106 and CH 104 Calling

• Structured bundled offering of Products

and Services to the customer within the

defined time line

• Ensure quality new acquisition on SA and CA for

Resident/Non Resident

• Walk Ins o Portfolio o Referrals

▪ Friends

▪ Associates

▪ Family members o Attrition control

▪ Includes persuading the customer

to continue and if required renew

FDs

▪ Deepen by cross selling sticky

products like Demat, Bill Pay,

Advisory.

▪ 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 retained

• Penetration of Saving Accounts on non liability

customers

• Propagate the benefits of not being on DNC

registration list in case a non-portfolio customer

opts for it

• Utilizing the sales resources (BDR/COEX) for optimal

sales support

• Penetration of FD to unique customers
• Using Data-mine for cross-selling
• Sales of various Credit Cards
• Activation
• Pitch for enhancement of limits
• Promote active usage of credit cards

▪ Ensure that the customer avails of

add-on card for his family

members

• Sales of Third Party Products to the customers

o MF/Insurance/RBI Bonds

• Ensure that requisite certifications are

done (NISM V-A) • Sales of Asset Products

• Disseminating product information
• Activation: 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

• Activation of LTD a/cs: To ensure that all LTD

accounts are activated and remain in the same state

month on month.

• 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.

• Calling of customers who have not

transacted and know the reasons.

• Escalate to BM / Product on any change in

market situation / threat from competition

due to which customers have stopped

operations.

• Corporate Salary: Calling on customers who transfer

their salary a/cs to other banks immediately on

credit

• To ensure such customers are engaged and

brought back to bank fold

• To cross sell loan products with other banks

for which such transfer may take place

• To cross sell investments to such customers

by which they will tend to maintain

balances

• Calling on Large Value Attrition:
• Customers who have attrited over a certain

value (as defined by product) for both

savings and current accounts to be called

and reasons ascertained

• 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) • Attrition control of customers

• Includes persuading the customer to

continue and if required renew FDs

• Monitor large amount movements /

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 retaines

Managing Classic Portfolio • Manage the benchmark no. 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

• By grouping them with their family members who

already hold accounts with us

• 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

• Ensure that within each customer group a minimum

number of stipulated Income Generating products

are sold

• Ensure that the Customer Group profitability is

achieved

• Manage Band 1 and 2 customers and ensure that

they are moved to Band 3 and above

• Enhance Values within each of the customer groups
• Online updation of CRMNext at every stage of

customer contact on the portfolio

• Proactively raising the eligible customers to the

classic portfolio within the prescribed product

product programme

• Ensure that all classic customers within the portfolio

are contacted

• Usage of APT and data in CRM for effective call

planning and review with BH / PBA(Pre call planning

and post call review )

• Detailed updation of interaction to be captured in

CRM , Tasks/ leads to be created , profiler to be

updated on same day of interaction. Achievement of income plans and

other benchmarks within portfolio • Ensure that income plans for the month and year are

duly met across products

• Achieving of portfolio level benchmarks of and IPH
• Income product to be sold to each group of the

portfolio in the year

• Ensure that the benchmark sales per month is met
• Usage of netbanking / Mobile banking , Billpay ,

RDFD penetration benchmark to be met

• CEP to be met as per cycle
• All customers to have valid mobile and email

address

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

• Ensure appropriate customer communication on

closures & copy of that to be filed. • Preventive complaint management

• Asking for feedback from customers, who may not

be complaining

• Promoting all direct banking channels and ensuring

that the customer is utilizing the same

• Check back on recent customers registered to DBC

channel and give any specific help required

• Responsibility of opening the customer account

within the TAT.

Operations • Ensure certification of documentation required for

opening and maintaining customer accounts

• Error free documentation for all account opening

and all customer instructions (Stop payments, FD

Closure, etc)

• Maintaining Tatkal kits as per laid down process
• As a locker custodian ensure that locker allotment

and all other related operations is as per prescribed

process

o Includes managing standing instructions

• Submission of daily e-schedule indicating the third

party sales done

• Updation of CRM for the asset leads generated
• Updation of weed-out database on the portal
• Ensure KYC norms are adhered to at all points of

time

• Ensure that 5-S norms are adhered to for individuals

workstation

• Opening of accounts under smart account mode