Job Description
Job Title –
Liabilities Relationship Officer / Assistant Branch Manager Liabilities Product (CASA) (RM_BB)
Place of work
- Karnataka
Business Unit
- Retail Banking-Rural Banking
Function
- Rural Sales
Job Purpose :
The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer . The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
Roles & Responsibilities of Liabilities Relationship Officer:
‘- Lead Area Mapping in the catchment and maintain accurate and timely daily activity / Sales reports
- Prepare Wish list of customers through cold calling and promotion activities to drive awareness about the bank and products across the catchment area
- Essure completion of account opening formalities with strict adherence to KYC norms (Field verification Mandatory)
- Engage customers with multiple products at the time of account Opening (viz: Mobile banking / Net banking registration / RD- FD activation)
- Ensuring account activation and subsequently maintaining the health of account
- Ensure superior customer service to capture larger wallet share of population
- Spearhead resolution of customer queries and issues
- Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements
- Ensure compliance as per the bank requirements.
‘- Recommend process changes in order to improve service efficiency and quality across the branch network
- Provide support for implementation of livelihood advancement and community development initiatives.
Educational Qualifications:
Graduate-Any
Experience:
0 – 5 years of relevant branch banking experience.
Roles & Responsibilities of Assistant Branch Manager Liabilities Product:
Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements
- Ensure swift disbursal of business loans based on needs assessment of potential and existing clients
- Ensure account activation and subsequent maintaining the health of accounts
- Focusing on overall CASA growth for Rural Banking business
- Ensure superior customer service to capture larger wallet share of population and drive volume of business across the catchment area
- Ensure timely resolution of customer queries and issues
- Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship
- Monitor high collections efficiency through discipline and drive
- Conduct field audits and customer verifications to ensure high quality of accounts
- Gather latest Market intelligence and track and benchmark against best practices in competitor banks
‘- Evaluate the growth strategy based on competitor analysis and feedback from different channels/customers
- Recommend process changes in order to improve service efficiency and quality across the branch network
- Manage a team of field officers, taking responsibility of their development and attrition
- Develop and implement livelihood advancement and community development initiatives.
Educational Qualifications:
Graduate-Any
Post Graduate-Optional
Experience:
4-8 years of relevant branch banking experience.
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