Field Sales - Current account / Saving account

Role & responsibilities

.Business Acquisition & Revenue Generation

- Acquire new customers for:
- Current Accounts (CA)
- Savings Accounts (SA)
- Business/SME accounts

- Achieve monthly and quarterly sales targets
- Generate revenue through cross-sell and upsell of banking products

2. Client Relationship Management

- Build and maintain strong relationships with:
- Individual clients
- SMEs or corporate customers (depending on role)

- Act as the single point of contact for customer queries
- Ensure high customer satisfaction and retention

3. Product Selling & Cross-Selling

Sell and promote various banking products such as:

- Insurance (Life/General)
- Mutual Funds / Investment products
- Loans (Business Loans, LAP, Personal Loans)
- Credit Cards
- Forex services

4. Lead Generation & Market Development

- Identify and develop recent business opportunities in the assigned territory
- Source leads through:
- Field visits
- Referrals
- Networking and events

- Conduct market research to identify potential clients

5. Sales Planning & Strategy

- Develop and execute sales strategies to achieve targets
- Plan daily/weekly client visits
- Maintain a strong sales pipeline and conversion ratio

6. Documentation & Compliance





- Ensure proper KYC documentation and account opening compliance
- Follow banking regulations and internal policies strictly
- Coordinate with internal teams for smooth onboarding

7. Portfolio Management

- Manage an existing portfolio of customers
- Monitor account activity and ensure business growth
- Identify opportunities to deepen relationships

8. Reporting & MIS

- Track and report:
- Daily sales activities
- Targets vs achievements

- Update CRM systems regularly

9. Field Work / Territory Management

- Majority role involves field sales
- Meet clients at offices, shops, or business locations
- Cover assigned geographic territory effectively

Key Skills Required

- Strong sales and negotiation skills
- Relationship-building ability
- Communication & presentation skills
- Target-driven mindset
- Basic financial product knowledge

KPIs (Performance Metrics)

- Number of new accounts acquired
- CASA value generated
- Cross-sell ratio
- Revenue contribution
- Customer retention

Typical Day of a BDM

- Morning planning + lead follow-ups
- Field visits to clients/businesses
- Product pitching and account acquisition
- Closing deals & documentation
- Reporting and coordination with branch

📌 Business Development Manager (Kolkata)
🏢 IndusInd Bank
📍 Kolkata