Job Title

CARM

Business Unit

Retail Branch Banking

Reporting To

Branch Manager

Job Function and Role Type

Sales, Individual Contributor

Version No

Job Purpose

Drive customer engagement, enhance relationship value, and achieve business targets through sales and service excellence. Ensure portfolio health and migration to digital platforms.

Key Responsibilities

Customer Engagement

Ensure Customer Engagement responsibilities are completed.

Customer Service

Conduct personal visits at pre-defined frequency.

Build solid customer relationships to ensure engagement.

Resolve customer queries and service requirements proactively.

Customize products to ensure primary banking behavior.

Enhance Relationship Value

Offer suitable products for family and business banking needs.

Maximize relationship value, including Group Firms.

Product Penetration

Understand customer profiles and business requirements.

Provide solutions like Trade Finance, Forex, Loans, and Insurance.

Migration to Digital Platform

Promote digital banking channels like Net Banking and Mobile Banking.

Encourage transaction migration based on customer preferences.

Central Initiatives

Maintain portfolio health through account activation and balance maintenance.

Act on central triggers and customer service initiatives.

Education:

Graduation required; Post-graduation preferred.

Certifications:

Sales and Influencing Skills,



Banking Product Knowledge, Communication.

Key Competencies

Sales and Influencing, Planning and Organizing, Communication, Knowledge of Competition, Banking Product Knowledge.

Major Stakeholders

Customers, Branch Banking Team, TPP Team, Asset Team.

Skills

Refer to the Job Description

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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