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.

Required Skills
Refer to the Job Description

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