branch banking officer

IDFC FIRST Bank

<div>
 
 Job Requirements
 
 
 
 About the Role
 
 
 The
 
 Associate Relationship Officer
 
 plays a vital role in deepening customer relationships and delivering high-quality service in rural banking. The role supports the Relationship Manager in identifying business owners and entrepreneurs within the catchment area, assessing their loan needs, and driving client acquisition. The incumbent is responsible for building household-level relationships, promoting digital banking, and contributing to the overall growth and service excellence of the branch.
 
 
 Key Responsibilities
 
 
 
 Primary Responsibilities
 
 
 
 <ul>
 <li>
 Conduct zoning activities to map household needs in assigned villages and catchment areas.
 </li>
 <li>
 Perform end-user checks post-loan disbursal and work towards achieving monthly and annual group loan booking targets.
 </li>
 <li>
 Assess client needs and generate new revenue through cross-sell opportunities based on lifestyle, risk profile, and financial requirements.
 </li>
 <li>
 Achieve individual and branch sales goals through new business acquisition, referrals, and relationship retention.
 </li>
 <li>
 Encourage behavioural shifts in customers towards digital and online banking.
 </li>
 <li>
 Maintain high collections efficiency through disciplined follow-ups.
 </li>
 <li>
 Ensure accurate documentation for loans accounts.
 </li>
 <li>
 Coordinate with operations officers for timely and accurate data entry.
 </li>
 <li>
 Ensure compliance with bank policies and regulatory requirements.
 </li>
 <li>
 Conduct field audits and customer verifications to maintain account quality.
 </li>
 <li>
 Stay informed about bank products, credit standards, services, and market trends to provide efficient customer service.
 
 
 </li>
 </ul>
 Secondary Responsibilities
 
 
 <ul>
 <li>
 Recommend process improvements to enhance service efficiency and quality across the branch network.
 </li>
 <li>
 Support the implementation of livelihood advancement and community development initiatives.
 
 
 </li>
 </ul>
 What We Are Looking For
 
 
 Education
 
 
 <ul>
 <li>
 Preferred: Graduate in any discipline
 </li>
 <li>
 Postgraduate: Optional
 
 
 </li>
 </ul>
 
 Experience
 
 
 
 <ul>
 <li>
 0&ndash;1 year of relevant experience in branch banking.
 </li>
 <li>
 Freshers are encouraged to apply.
 
 
 </li>
 </ul>
 Skills and Attributes
 
 
 <ul>
 <li>
 Strong interpersonal and communication skills.
 </li>
 <li>
 Customer-centric approach with a focus on service excellence.
 </li>
 <li>
 Ability to understand rural customer needs and offer appropriate solutions.
 </li>
 <li>
 Basic knowledge of banking products and services.
 </li>
 <li>
 Willingness to travel and work in rural areas.
 </li>
 <li>
 High level of integrity and compliance orientation.
 </li>
 <li>
 Proactive and target-driven mindset.
 </li>
 </ul>
</div>

Associate Relationship Manager - JLG

<div>
 
 Job Requirements
 
 
 
 
 Job Requirements
 
 
 
 
 Role/Job Title:
 
 Associate Relationship Manager-Micro Enterprise Loan(MEL)
 
 
 
 Function/Department:
 
 Rural Banking
 
 
 
 Job Purpose
 
 
 
 The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in identifying Business owners / entrepreneurs in the defined catchment and assessing their business loan needs. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
 
 
 
 Roles &amp; Responsibilities
 
 
 
 <ul>
 <li>
 Manage zoning activity to map household needs in villages and areas allocated.
 </li>
 <li>
 Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets.
 </li>
 <li>
 Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
 </li>
 <li>
 Contribute to penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer.
 </li>
 <li>
 Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship.
 </li>
 <li>
 Nudge behavioral changes in customers to drive them towards online banking.
 </li>
 <li>
 Maintain high collections efficiency through discipline and drive.
 </li>
 <li>
 Monitor preparation of accurate documentation of loans and saving account.
 </li>
 <li>
 Coordinate with operations officer to ensure timely and accurate data entry.
 </li>
 <li>
 Ensure compliance as per the bank requirements.
 </li>
 <li>
 Conduct field audits and customer verifications to ensure high quality of accounts.
 </li>
 <li>
 Gather latest Market intelligence and track and benchmark against best practices in competitor banks.
 </li>
 <li>
 Recommend process changes in order to improve service efficiency and quality across the branch network.
 </li>
 <li>
 Provide support for implementation of livelihood advancement and community development initiatives.
 
 
 </li>
 </ul>
 
 Education Qualification
 
 
 
 Graduation: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate.
 
 
 
 Experience:
 
 0 to 1 years of relevant branch banking experience.
</div>

Associate Relationship Manager-MEL

<div>
 
 Job Requirements
 
 
 
 
 Role/ Job Title:
 
 Associate Relationship Manager-JLG
 
 
 
 Function/ Department:
 
 JLG
 
 
 
 Job Purpose
 
 
 
 'The role entails deepening relationships with Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support the Relationship Manager in identifying prospective customers and converting them into real business opportunities. The role bearer is responsible for helping create Joint Liability Groups and centres and manage them through the formation, disbursal and collection phases while driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship.
 
 
 
 Roles &amp; Responsibilities
 
 
 
 '
 
 
 <ul>
 <li>
 Manage zoning activity to map household needs in villages and areas allocated.
 </li>
 <li>
 Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets.
 </li>
 <li>
 Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
 </li>
 <li>
 Contribute to penetration of liabilities business in new markets through lead generations and account opening as per needs of customer.
 </li>
 <li>
 Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship.
 </li>
 <li>
 Maintain high collections efficiency through discipline and drive.
 </li>
 <li>
 Monitor preparation of accurate documentation of loans and saving account.
 </li>
 <li>
 Coordinate with operations officer to ensure timely and accurate data entry.
 </li>
 <li>
 Ensure compliance as per the bank requirements.
 </li>
 <li>
 Conduct field audits and customer verifications to ensure high quality of accounts.
 </li>
 <li>
 Gather Latest Market intelligence and track and benchmark against best practices in competitor banks.
 </li>
 <li>
 Recommend process changes to improve service efficiency and quality across the branch network.
 </li>
 <li>
 Provide support for implementation of livelihood advancement and community development initiatives.
 </li>
 <li>
 Recommend process changes to improve service efficiency and quality across the branch network.
 </li>
 <li>
 Provide support for implementation of livelihood advancement and community development initiatives.
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 'Deliver exceptional client service and focus on customer retention by building and nurturing strong relationships, thereby supporting product sales and driving new client acquisition.
 
 
 
 Qualifications
 
 
 
 Graduate
 
 
 
 Years Of Experience
 
 
 
 0 to 2 years of relevant branch banking experience.
</div>

United Arab Bank

<div>
 
 
 Job Purpose
 
 :
 
 
 
 
 
 The Sales and Service Officer plays a key role in driving UAB&rsquo;s Retail Banking growth by acquiring new customers, cross-selling products, meeting targets for Credit Cards, Loans, Top-ups, Islamic Finances and onboarding new customers. The role ensures excellent customer service and contributes to a positive customer experience by addressing inquiries and resolving issues promptly, while promoting the bank&rsquo;s products and services as appropriate, and maintaining compliance with CPR regulations ensuring the overall success of branch banking services.
 
 
 
 
 
 
 Principal Accountabilities
 
 :
 
 
 
 
 
 
 Customer Service
 
 :
 
 
 Deliver high-quality, courteous, and efficient service to customers, ensuring a positive banking experience. Act as the first point of contact, providing a professional and welcoming environment. Address customer inquiries, resolve issues promptly and escalate complex concerns to appropriate channels as needed, while promoting the bank&rsquo;s products and services. Treat customers fairly and ensure to adherence to CPR regulation and specially handling people of determination and customer complaints.
 
 
 
 
 
 
 Account Maintenance
 
 :
 
 
 Provide full account services including assisting with account opening, closure, KYC updates, loan/financing settlements, credit card cancellations and handling ATM related inquiries and requests to ensure all documentation is accurate and complete while delivering exceptional service across all banking products and services.
 
 
 
 
 
 
 Product Knowledge
 
 :
 
 
 Maintain comprehensive up to date knowledge of the bank&rsquo;s full range of products and services, including loans/financings, credit cards, deposits, insurance, digital banking and Islamic banking solutions. Understand product features, benefits, terms, and eligibility criteria to effectively address customer inquiries and provide personalized recommendations. Stay informed about new product launches, policy updates and market trends to proactively meet customer needs and contribute to achieving branch targets. Collaborate with colleagues to share insights and ensure consistent messaging about the bank&rsquo;s offerings.
 
 
 
 
 
 
 Customer Retention
 
 :
 
 
 Build and maintain strong relationships with customers by delivering exceptional service and addressing their needs effectively and act as a trusted advisor offering guidance on financial decisions and ensuring customers feel valued and supported, contributing to higher retention rates. Proactively follow up on customer feedback, resolve issues promptly to enhance their overall experience and loyalty. Educate customers about value added services and alternative channels, such as mobile banking and self-service options to improve customer satisfaction.
 
 
 
 
 
 
 Complaint Resolution
 
 :
 
 
 Handle customer complaints professionally and efficiently by actively listening, understanding their concerns and providing timely solutions. Ensure all complaints are resolved in line with bank policies and escalate complex issues to the appropriate department when necessary. Maintain clear communication with customers throughout the resolution process to ensure their satisfaction and reinforce trust.
 
 
 
 
 
 
 Compliance and Risk Management
 
 :
 
 
 Ensure strict compliance with bank policies, procedures, and regulatory requirements, including all Central Bank regulations, to protect customer information and assets. Identify and report suspicious transactions or potential fraud in line with the bank&rsquo;s anti-money laundering (AML), know your customer (KYC), and risk management procedures. Adhere to all guidelines to ensure timely account or asset closures and meet the required turnaround time (TAT). Ensure compliance to CBUAE regulations at all times as applicable.
 
 
 Compliance and Adherence to Consumer Protection Regulation and Standards:
 
 <ul>
 <li>
 Ensure that CPR guidelines are being followed 100% at all times. Any breach identified is reported to Head of Consumer Protection immediately.
 </li>
 <li>
 Ensure all trainings related to CPR are completed. This also includes Islamic banking and Sharia training.
 </li>
 <li>
 Ensure adherence to the guideline for people of determination and vulnerable people.
 </li>
 <li>
 Ensure customer complaints are logged and resolved on timely basis.
 </li>
 </ul>
 
 
 
 
 
 Record Keeping and Documentation
 
 :
 
 
 Maintain accurate records of transactions and ensure proper documentation of all activities. Follow internal procedures for filing and reporting as per the bank&rsquo;s standards for audits and compliance.
 
 
 
 
 
 
 Cross-Selling and Recommendation
 
 :
 
 
 Identify customer needs and recommend the bank&rsquo;s products and services that may enhance the customer&rsquo;s banking experience. Refer customers to branch manager or specialized departments when appropriate.
 
 
 
 
 
 
 Team Collaboration
 
 :
 
 
 Work collaboratively with branch staff to support overall branch operations and customer satisfaction. Communicate effectively with team members, sharing insights and information to improve processes and address any customer issues collectively. Foster a positive work environment by supporting colleagues and contributing to a team-focused culture.
 
 
 
 
 
 
 Continuous Improvement
 
 :
 
 
 Actively participate in training and development programs to enhance knowledge of bank products, policies, and customer service standards. Provide feedback to improve processes and customer service delivery with an emphasis on compliance, risk management, and customer protection.
 
 
 
 
 
 
 Technology Proficiency:
 
 
 
 Efficiently use the bank&rsquo;s digital platform efficiently to process transactions and manage customer queries, ensuring high productivity and service efficiency. Actively promote alternative channels such as the digital lobby, mobile banking and internet banking to enhance the customer experience and encourage customers to adopt convenient banking solutions.
 
 
 
 
 
 
 Job Requirement (Qualification/Experience)
 
 :
 
 
 
 
 <ul>
 <li>
 A Bachelor&rsquo;s Degree in Business Administration, Finance, Accounting or related field.
 </li>
 <li>
 Additional certifications in banking or customer service.
 </li>
 <li>
 Minimum 2- 3 years of experience in a retail banking or branch banking environment.
 </li>
 <li>
 Proven track record in customer service and sales roles.
 </li>
 <li>
 Strong interpersonal and communication skills.
 </li>
 </ul>
 
 
</div>

Sales & Service Officer, Branch Banking - Dubai, Retail Banking

Sales & Service Officer, Branch Banking - Abu Dhabi, Retail Banking

<div>
 
 Job Requirements
 
 
 
 
 Job Requirements
 
 
 
 
 Job Title
 
 - Deputy Manager-Acquisition(Current Account)
 
 
 
 Place of work
 
 - Pan - India
 
 
 
 Business Unit
 
 - Retail Banking
 
 
 
 Function
 
 -Branch Banking
 
 
 
 Compensations
 
 - Best in class in the industry. In addition valuable service awards would apply.
 
 
 
 Job Purpose
 
 
 
 The role entails direct customer interaction and is responsible for business acquisition of current accounts for a designated branch. It will also entail explaining and selling banking products to customers and acting as a link between customers and bank - ensuring best in-class service to the customers. The role bearer has a responsibility to support Sales Manager in catchment mapping, customer feedback and identifying and converting potential opportunities. The role bearer is responsible for driving client acquisition, deepening customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
 
 
 
 Roles &amp; Responsibilities
 
 
 
 <ul>
 <li>
 Acquisition of NTB Current account customers in the identified segment and reference generation from the specified catchment area
 </li>
 <li>
 Ensure acquisition of high quality current accounts in terms of product mix, segments and constitution mix
 </li>
 <li>
 Proactive registration and activation of acquired customers to direct banking channels
 </li>
 <li>
 Meet and exceed the defined targets of new customer acquisitions month on month by analysing transaction banking needs of the customer
 </li>
 <li>
 Assist and support the Sales Manager in catchment mapping and scoping exercise
 </li>
 <li>
 Provide regular feedback to SM / RM on opportunities and customer needs
 </li>
 <li>
 Ensure adherence to selling norms and SOPs defined by the organization
 </li>
 <li>
 Ensure strict compliance with internal guidelines and external regulations
 </li>
 <li>
 Ensure quality sourcing in line with the Bank's policy
 
 
 </li>
 </ul>
 
 Secondary Responsibilities - List the deliverables other than primary, but essential for the role
 
 
 
 <ul>
 <li>
 High degree of market awareness and understanding of customer's needs
 </li>
 <li>
 Collaborate with other branch departments and functions to provide products and service offerings to the customer to ensure customer centricity
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 Graduate - Any discipline
 
 
 Part Time / Full Time - Full Time
 
 
 
 Experience
 
 
 
 Minimum Number of Years - 0-4 years
 
 
 Industry &ndash; BFSI
 
 
 Functional Area &ndash; Sales
 
 
 Level / Capacity - Junior Management
</div>

Deputy Manager-Acquisition (Current Account)

<div>
 
 Job Requirements
 
 
 
 
 Role/ Job Title:
 
 Associate Relationship Officer- JLG
 
 
 
 Function/ Department:
 
 JLG
 
 
 
 Job Purpose
 
 
 
 'The role entails deepening relationships with Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in identifying Business owners / entrepreneurs in the defined catchment and assessing their business loan needs. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
 
 
 
 Roles &amp; Responsibilities
 
 
 
 '
 
 
 <ul>
 <li>
 Manage zoning activity to map household needs in villages and areas allocated.
 </li>
 <li>
 Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets.
 </li>
 <li>
 Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
 </li>
 <li>
 Contribute to penetration of liabilities business in new markets through lead generations and account opening as per needs of customer.
 </li>
 <li>
 Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship.
 </li>
 <li>
 Nudge behavioral changes in customers to drive them towards online banking.
 </li>
 <li>
 Maintain high collections efficiency through discipline and drive.
 </li>
 <li>
 Monitor preparation of accurate documentation of loans and saving account.
 </li>
 <li>
 Coordinate with operations officer to ensure timely and accurate data entry.
 </li>
 <li>
 Ensure compliance as per the bank requirements.
 </li>
 <li>
 Conduct field audits and customer verifications to ensure high quality of accounts.
 </li>
 <li>
 Maintain knowledge on all bank products, credit standards, services and trends and provide efficient customer services.
 </li>
 <li>
 Recommend process changes to improve service efficiency and quality across the branch network.
 </li>
 <li>
 Provide support for implementation of livelihood advancement and community development initiatives.
 
 
 </li>
 </ul>
 
 Secondary Responsibilities
 
 
 
 'Deliver exceptional client service and focus on customer retention by building and nurturing strong relationships, thereby supporting product sales and driving new client acquisition.
 
 
 
 Qualifications
 
 
 
 Graduate
 
 
 
 Years Of Experience
 
 
 
 0-1 years of relevant branch banking experience, fresher&rsquo;s can apply.
</div>

Associate Relationship Officer - JLG

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Associate Relationship Manager - JLG

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Associate Relationship Manager - JLG

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Sales & Service Officer, Branch Banking - Abu Dhabi, Retail Banking

Deputy Manager-Acquisition (Current Account)

Associate Relationship Officer - JLG