Personal Banker - NRI, Nawanshahr

Job Title : Personal Banker-NRI

Business Unit (PA) :NRI Business

Team :  NRI Sales

Reports to (job) : Regional Head / PB Head

Location of role : Pan India

Job Fn :Sales

Role Type: Individual Contributor

No of direct reportees: Nil

Travel Required : Moderate

Job Band Range :

JD Created date: NA

JD Updated date : 30-06-2018

JD approved by (business) :

Version No : 2.0

Job Purpose

To build and manage relationship with Classic program clients so as to ensure optimum customer acquisition, retention and income generation from sales of all appropriate Assets, Liability and Cash management products of the bank

Job Responsibilities

Actionables

HNW Portfolio Management

• Identify existing branch customers who meet Classic program criteria and flag them on the system to upgrade these customers under the program
• Acquire new customers who meet product criteria and flag them on the system
• Regularly interact with the customer to build relationships and understand the profile.
• Achieving MTD and YTD Revenue Targets
• Enhance the value/book size of the given portfolio
• Achieving Top Line targets for various products like LI, MF etc.
• Liability products – CASA, FX, Quickremit etc

• Operations, Marketing & Processes

• Monitoring Inward Remittances , FCY Chq Realization
• Contact 15 unique customers daily for sales calls
• Update CRM with Purpose of Call,  Discussion Happened,  Outcome of call and next follow up date
• Update any Event Based Triggers (EBTs)
• Update any portfolio client related process like LTR and any other such system as informed from time to time
• Handling Service Request for program clients
• Ensure certification of documentation required for opening and maintaining customer accounts
• Follow all NR Desk related processes (like Day Plan, Fee Plan and any other that may be notified from time to time)

• Increase in market  share

• Look for opportunities to cross sell any other product of the Bank, to ensure that HDFC Bank is a one stop shop & solution for all banking needs of the NRI Customer

• Product Penetration & contribution    towards focused product

• Ensure that an optimal level of Income generating Product Group Holding (IPGH) is reached.
• Enhance client's CTG level and Ensure that the Customer Group profitability is achieved

• Customer Service

• Customer Services: Ensure quality customer service is delivered. All customer queries and complaints to be resolved the same day. Ensure the customer is informed about any regulatory or process change. Keep the customer updated on program features.
• Complaint Management: To ensure all queries and complaints are resolved within the bank specified TAT.

Educational Qualifications

Key Skills(examples listed below)

• Graduation:

• Post-Graduation:

Certifications:

• AMFI Certification
• IRDA Certification
• NCFM Certification (Optional)
• CAIIB (Optional)
• Internal Certification (NR Modules)

• Sales and Influencing Skills
• Banking Product & Process Knowledge
• NRI Product and Regulatory Knowledge
• Planning and Organizing Skills
• Communication
• Knowledge of Competition & Current trends in financial Industry.

Experience Required:

• Minimum experience in years  - 2 years
• Exposure to NRI segment (preferred)

Major Stakeholders

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