About this role
Personal Banker - Outbound (Branch Banking Relationship Management) | Kotak Mahindra Bank
Role Purpose
The Personal Banker - Outbound is a branch-based sales and relationship management role responsible for acquiring new customers, growing CASA business, generating revenue through cross-selling, and building long-term customer relationships.
Key Responsibilities
Customer Acquisition
- Acquire New-to-Bank (NTB) customers through field activities, referrals, and branch-generated leads.
- Source high-value Savings Account and Current Account customers.
- Build and expand family banking relationships.
Sales & Revenue Generation
- Achieve branch retail liabilities and CASA business targets.
- Cross-sell banking and third-party products:
- Insurance
- Fixed Deposits
- Mutual Funds
- Debit/Credit Cards
- Investment Products
- Meet assigned value, volume, and productivity metrics.
Relationship Management
- Engage customers through calls, meetings, and branch visits.
- Understand customer financial needs and provide tailored solutions.
- Maintain strong customer relationships to improve retention and wallet share.
Customer Engagement Activities
- Contact prospective and existing customers regularly.
- Conduct daily customer meetings and follow-ups.
- Convert leads into active banking relationships.
Compliance & Service
- Ensure KYC and AML compliance during account acquisition.
- Maintain accurate customer records in CRM systems.
- Deliver high service standards while achieving sales objectives.
Required Skills
- CASA Sales
- Customer Acquisition
- Relationship Management
- Cross-Selling
- Sales Negotiation
- Networking & Prospecting
- Communication Skills
- CRM Management
- Target Achievement
- Achieve business objectives for retail liabilities sales at the branch, meeting value, volume, and productivity metrics.
- Generate revenue through the sale of CASA, cross-sell products, and third-party offerings like insurance.
- Source high-value CASA customers and build comprehensive family banking relationships.
- Acquire new-to-bank customers through personal efforts and acquisition channels.
- Contact a minimum of 20 customers daily and meet at least 4 customers/prospects per day.
- Upgrade customers from lower product categories to premium offerings.
- Deliver excellent customer service and maintain long-term relationships.