Personal Banker – Retail Branch Banking

Introducing Diversify Hiring with HDFC Bank

Personal Banker – Retail Branch Banking

Location:

Business Unit:

Reports to:

Function:

Role Overview

As a Personal Banker, you will manage a Classic Portfolio, focusing on customer acquisition, relationship management, and cross-selling of banking products. Your goal is to become the primary banker for customers by providing personalised services and maximising their wallet share.

Key Responsibilities

●       Acquire new Savings (SA) & Current Accounts (CA) for both residents and non-residents.

●       Cross-sell banking products: Demat, Credit Cards, Fixed Deposits, Loans, Insurance, Mutual Funds, RBI Bonds, Bill Pay, Advisory Services.

●       Utilize referrals, walk-ins, and data analytics for business growth.

●       Monitor and control account attrition, persuading customers to renew FDs and maintain balances.

●       Activate and maintain Corporate Salary Accounts.

●       Ensure income targets & sales benchmarks are met.

●       Manage a Classic Portfolio with an optimal number of customers.

●       Group individual customers with family & associates to deepen relationships.

●       Enhance customer engagement through regular interactions & financial planning.

●       Upgrade eligible customers to Classic Portfolio based on product eligibility.

●       Track and improve Customer-to-Group (CTG) ratio.

●       Deliver high-quality customer service & issue resolution within set timelines.

●       Ensure customers utilize Net Banking, Mobile Banking & Direct Banking Channels.

●       Proactively engage with customers to prevent attrition & strengthen relationships.

●       Ensure error-free documentation for account openings & service requests.

●       Maintain KYC compliance and adhere to all banking norms.

●       Manage locker allotments & related operations per bank guidelines.

Qualifications & Skills

Education:

Key Skills:

●       Sales & Influencing Skills

●       Banking Product & Regulatory Knowledge

●       Communication & Relationship Management

●       Market & Competitor Awareness

Key Stakeholders

●       Customers

●       Branch Banking & Operations Teams

●       Insurance & Mutual Fund Partners

●       HSL (HDFC Securities) Personnel