JD : Personal Banker - Operations

Business Group: Branch Operations

Job Purpose:

Responsible for Branch Operations, enhance relationships of existing customers and generation of leads for liabilities, assets & investment products by providing product information also Cross sell Fee Based products to existing Customer and adherence to Audit & Compliance

Principal Accountabilities – Branch Operations ,Compliance & Risk Management :

1. Error free processing of all transactions as per guidelines in circulars / operations manual

2. Daily reconciliation of deliverables, inventories in custody

3. Resolution of all requests received during the day

Major Activities – Branch Operations ,Compliance & Risk Management :

1. Customer identification through signature verification and recommended ID proofs before executing a customer’s transaction

2. Ensure customer calling through BM / BOM for all transactions as per customer calling norms in circulars or operations manual

3. Refer, all deviations or suspicious transactions to BM / BOM

4. Record movement of all inventories & deliverables in relevant registers and signing off closing stock of all inventories & deliverables jointly with BOM in relevant registers

5. Send all requests received from customers for processing

6. Proper filing of all vouchers and other requests to relevant files

Principal Accountabilities – Sales & Business Development:

1. Achieve Cross sell Targets (LI+GI, Bill Pay, Mobile Banking, Internet Banking)

2. Achieve FD Value Target

3. Generate leads for cross sell products like asset products, fee products, demat, etc.

4. Maintain & Grow the relationship of Mapped customers

Major Activities – Sales & Business Development:

1. Generate leads by sharing information on and pitching CASA, TD, asset and fee products.

2. Contribute to FD targets by cross selling to customers

3 Maintain & Grow the relationship of Mapped customers

Principal Accountabilities – Capability Building:

1. Completion of Training Programme

2. Certifications, as applicable - AMFI, IRDA and NCFM certifications

Major Activities – Capability Building:

1. Continuous knowledge up gradation through self-learning and going through circulars relevant for the desk being handled by Operations

Audit & Compliance:

1. Adherence to Audit & Compliance work area

2. Availability of all relevant brochures and forms for customers at desk