• Manage existing mapped portfolio as assigned to him/her and understand customer needs and cater to them through suitable products
• Deepen the relationship by cross-selling / up-selling variety of products (both on asset and deposit side) to improve customer stickiness & improve profitability
• Informs and explains to customers of new products or product enhancements with a proposal to expand the banking relationship
• Aquire new to bank business customers to build and grow revenue through asset & liability products of the bank
• Ensure quality and healthy portfolio of asset business at early vintage
• Identify early warning signals and recover interest/principal for each of the relationship handled
• Maximize customer retention by maintaining long term relationship, collecting regular feedback and providing adequate and timely service
• Ensures high levels of customer service orientation and application of bank policy. Tracks customer complaints/queries and turnaround times for customer satisfaction
• Complete his/her appraisal process as per Bank policy
• Maintains complete relationship record for assigned customer accounts
• Monitor and encourage utilisation of facilities
• Ensuring adequate controls so that all documentation needs for each sale / query is duly gathered and submitted on time to relevant people
• Ensure adherence to prescribed policy, systems and processes in sales of retail & MSME products
• Comply with AML, KYC and other regulatory guidelines for the vertical, resolve audit findings
• Ensure that entire process of relationship management is managed within given budgets and cost guidelines; escalate deviations as appropriate

• Graduation in discipline related to Finance/ Marketing
• At least 3 years experience in Sales
• Ability to influence people in customer's Language
• Relevant product knowledge
• SME business & industry knowledge
• Financial & Analytical Skills
• Sales Orientation
• Ability to understand and service Segment Customers
• Good networking
• Personal Effectiveness and Grooming
• Good communication skills
• Time Management