Personal Banker Classic

Overview

HDFC Bank Limited seeks a Personal Banker Classic to manage the Classic customer portfolio by acquiring new clients, deepening existing relationships through strategic cross-selling, and ensuring customer retention with outstanding service. The role aims to position the banker as the primary contact for Classic clients while maximizing their wallet share.

Key Responsibilities

• Achieve all assigned sales targets consistently.
• Maintain the benchmark number of Classic portfolio customers and group family members for wider engagement.
• Meet income-generating product benchmarks and enhance overall profitability and wallet size for customer groups.
• Keep CRM updated with comprehensive records of customer interactions.
• Provide superior customer service, resolve complaints within agreed turnaround times, and promote direct banking channels for efficient service delivery.
• Ensure timely account openings with clear customer communications.
• Maintain daily sales reports and ensure high-quality acquisition of savings and current accounts.
• Cross-sell banking products including Demat accounts, Bill Pay services, and financial advisory offerings.
• Monitor large account transactions vigilantly to prevent client attrition.
• Promote and sell third-party financial products like Mutual Funds, Insurance, and Bonds effectively.
• Ensure all documentation for account openings and instructions are accurate and comply with KYC norms.
• Maintain the branch’s 5-S standards and manage locker services and standing instructions diligently.
• Update CRM with asset leads and maintain an accurate and weeded-out customer database.

Educational Qualifications and Certifications

• Minimum qualification: Graduation required; post-graduation is preferred.
• Mandatory certifications: NISM V-A Certification, IRDA Certification, and GI Certification.

Competencies and Skills

• Strong sales and influencing capabilities.
• In-depth knowledge of banking products and services.
• Good planning and organizational skills.
• Effective communication and interpersonal skills.
• Awareness of competitive market trends.

Major Stakeholders

Interact regularly with customers, branch banking teams, operations departments, insurance channel account managers, mutual fund fund houses, and HSL personnel to meet business objectives.