HDFC Bank hiring NRI Personal Banker

Responsible for NRI Classic portfolio management by acquisition of new Classic customers and enhancement of existing relationships by cross-selling products

Business Unit: NRI Business
Nature of Job: Sales
Job Title: NRI Personal Banker

Reporting Line Regional Sales Manager
Location Pan India
Overall Goal:
Responsible for NRI Classic portfolio management by acquisition of new Classic customers and enhancement of existing relationships by cross-selling products
Acquiring family accounts, 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
Ensure that we become the primary banker for these NRI Classic relationships and maximize the share of wallet of these customers.

Key Result / Responsibility Areas:
Maintain Daily Sales Report
Structured bundled offering of Products and Services to the customer within the defined time line
Ensure quality new acquisition on SA and CA for Non Resident through Walk Ins, Portfolio, Referrals, Friends, Associates & Family members
Attrition control
– Includes persuading the customer to continue and if required renew FDs and to book fresh FD or RD.
– Deepen by cross selling sticky products like Demat, Bill Pay, Advisory.
– Deepen NET BANKING, Mobile Banking Penetration
– 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, to be entered into CRM. Update and follow up any Event Based Triggers on the Classic Portfolio
– Monitor large amount movements and 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
Penetration of Saving Accounts on non liability customers
Sales of Third Party Products ( Life Insurance, Mutual Funds, Off shore MF and investments, Offshore Loans and any other as informed from time to time) and Assets ( Home Loans, Loan Against Shares, Loan Against Properties etc) to the customers
Sales of PIS accounts and HSL trading accounts
Calling on Large Value Attrition
Ensure that income plans for the month and year are duly met across products
Managing NRI Classic Portfolio
Manage the benchmark no. of customers in the portfolio
Extend NRI Classic benefits to customers basis identification in eligibility lists
Ensure that individual customers are grouped and Customer To Group (CTG) Ratio is maintained on the portfolio 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 the Customer Group profitability is achieved
Enhance Values within each of the customer groups
Online updation of CRM Next at every stage of customer contact on the portfolio
Proactively raising the eligible customers to the classic portfolio within the prescribed product product program
Ensure that all NRI classic customers within the portfolio are contacted
Achieving of portfolio level benchmarks of and IPH
Income product to be sold to each group of the portfolio in the year

Customer Service
Ensure quality customer service is delivered
Recording complaints as per the specified process ( currently NextStep)
Resolving all complaints received within the stipulated TATs
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 customers registered to DBC channel and give any specific help required
Responsibility of opening the customer account within the TAT
Disseminating product information
Certification of documentation required for opening and maintaining customer accounts
Error free documentation for all account opening and all customer instructions
Maintaining Tatkal kits as per laid down process
Includes managing standing instructions
Submission of daily e-schedule indicating the third party sales done
Updations of weed-out database on the portal or as per any process
Ensure KYC norms are adhered to at all points of time
Ensure that 5-S norms are adhered to for individuals workstation

Sales and Influencing Skills
Banking Product Knowledge
Knowledge of current trends in financial Industry

AMFI Certification
IRDA Certification


Experience             : 0 to 3 yrs
Salary                      : Not specified
Job Location          : Mumbai, Chennai
Qualification           : Any Graduate


Company Name      : HDFC Bank Limited
Company Address : NA
Company Profile    : HDFC Bank Ltd was promoted in the year 1994 by the premier housing finance company of the country, HDFC Ltd. The Bank commenced operations as a Scheduled Commercial Bank in January 1995. Today the Bank has a nationwide network of over 2000 branches and 5624 ATMs spread over 996 towns and cities across India The Banks American Depository Shares (ADS) are listed on the New York Stock Exchange (NYSE) and the Global Depository Receipts (GDRs) are listed on Luxembourg Stock Exchange.

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