• Personal Banker_Varsha_3+ Years_Bangalore/Goa Bagaluru
  • CodersBrain in Bagaluru, Karnataka, India
  • jobs
  • 1 month ago

jobs description

Dear Candidate,

About us - Coders Brain is a global leader in its services, digital and business solutions that partners with its clients

to simplify, strengthen and transform their businesses. We ensure the highest levels of certainty and satisfaction

through a deep-set commitment to our clients, comprehensive industry expertise and a global network of

innovation and delivery centers. We achieved our success because of how successfully we integrate with our

• Quick Implementation - We offer quick implementation for the new onboarding client.
• Experienced Team - We’ve built an elite and diverse team that brings its unique blend of talent, expertise,

and experience to make you more successful, ensuring our services are uniquely customized to your

specific needs.
• One Stop Solution - Coders Brain provides end-to-end solutions for the businesses at an affordable price

with uninterrupted and effortless services.
• Ease of Use - All of our products are user friendly and... scalable across multiple platforms. Our dedicated

team at Coders Brain implements keeping the interest of enterprise and users in mind.
• Secure - We understand and treat your security with utmost importance. Hence we blend security and

scalability in our implementation considering long term impact on business benefit

Skillset: Personal Banker

Experience: 3+ Years

Location: Vadodara

Job Description

Only B2C direct sales from Banking,Insurance,Hospitality [Hotel & Travel],Financial Sector,BPO Direct Sales, Real Estate and Edutech.

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


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
• Portfolio
• Referrals

 Friends

 Associates

 Family members
• Attrition control

 Includes persuading the

customer to continue and if

Required Renew FD’s

 Deepen by cross selling ‘sticky

products’ like Demat, Bill Pay,


 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


 Ensure that the marketing

analytics list on possible attrite, is

called and retained

 Penetration of Saving Accounts on non liability


 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


 Sales of Third Party Products to the customers
• 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

• 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
• 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


 Sales to family members and

associates (all network)

 Attrition control of customers
• Includes persuading the customer to

Continue And If Required Renew FD’s
• 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 retained

Managing Classic Portfolio

 Manage the benchmark no. of customers in the


 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


 Manage Band 1 and 2 customers and ensure that

they are moved to Band 3 and above

 Enhance Values within each of the customer


 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

• 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 TAT’s

 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 customer’s 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
• 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


 Ensure that 5-S norms are adhered to for

individuals workstation

 Opening of accounts under smart account mode

 Graduation

Educational Qualifications Key Skills


 Post-Graduation:

 NISM V-A Certification

 IRDA Certification

 NCFM Certification (Optional)

 CAIIB (Optional)

 Internal Certification

 GI certification

 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 – 1 yr

 Exposure to banking preferable

Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for

discharging duties)

 Customers

 Branch Banking Team

 Operations

 Insurance CAM

 MF Fund houses personnel

 HSL personnel

(Kindly Mention Mandatory Skills In Your Project)

If you're interested above requirement,

Current CTC

Please share the below-mentioned details :

Expected CTC

Current Company:

Notice Period

If serving NP LWD:

Current Location:

Preferred Location:


Relevant experience:

Highest qualification with location and passing year:

DOJ(If Offer In Hand From Other Company)

Offer in hand with Amount:

Also, send your updated resume( CV) ASAP in word format.

If you are interested then send your resume on (Mail id) or connect with me on (Mobile no.)

Thanks and regards

(Your Name)


(Mobile No.)

Thanks & Regards,

Varsha Patwardhan

Coders Brain Technology Pvt. Ltd.

E: varsha@codersbrain.com

W: www.codersbrain.com

Skills: maintain daily sales report,ch 106 and ch 104 calling,only b2c direct sales from banking
Bagaluru Karnataka India


Apply - Personal Banker_Varsha_3+ Years_Bangalore/Goa Bagaluru