Branch Relationship Officer

About Branch Banking

Branches are the face of Axis Bank for millions of retail customers, playing an integral role in the Bank’s strategy. Branches are key drivers of deposit mobilization from New-To-Bank (NTB) customers and customer engagement across products and services.

About the Role

As a Branch Relationship Officer (BRO) within the branch banking team, you will provide financial solutions to customers by offering bank products, servicing existing and new customers, and acquiring new customers through referral generation and customer visits. You will utilize your communication skills to add new customers and cross-sell bank products. Daily engagement with your portfolio of existing customers is expected to offer additional products based on their needs. You will be responsible for processing customer transactions and service requests within defined turnaround times (TAT) and ensuring end-to-end closure. BROs may also be assigned teller duties for processing cash transactions. You will introduce customers to alternate banking channels like Internet Banking, mobile banking, and Whatsapp banking.

Key Responsibilities

• Offer solutions and cross-sell bank's retail banking and third-party products as per assigned budgets (e.g., Life insurance, General insurance, Mutual Funds, Loans).
• Achieve assigned business budgets on a monthly basis consistently.
• Generate referrals and leads for new customers for bank product sales.
• Promote bank's products by participating in marketing activities and customer visits outside the branch.
• Contact existing customers to increase deposits and cross-sell bank products.
• Process customer transactions and requests accurately and in a timely manner.
• Handle customer queries and provide correct solutions to ensure customer satisfaction.
• Adhere to all compliance guidelines (regulatory and legislative) for each activity.
• Ensure all audit requirements of the bank are met for optimum audit ratings.
• Complete all mandatory certifications required for the role (e.g., EUIN, SP Certification).
• Complete all learning activities/trainings conducted by the bank.
• Daily entry of customer interactions in the bank's CRM system.
• Participate in and follow all bank initiatives, campaigns, and drives.

Key Skills

• Customer Service Skills: Excellent communication and interpersonal skills to interact effectively with customers.
• Regulatory Knowledge: Familiarity with KYC (Know Your Customer), AML (Anti-Money Laundering), and other compliance requirements.
• Sales and Negotiation: Ability to sell financial products and services.
• Attention to detail: High level of accuracy in handling cash transactions and financial documents.

Qualifications

• Graduation/Post-Graduation from a recognized institute.

Role Proficiencies

• Knowledge of banking regulations and norms.
• Maintain a high level of knowledge of banking products and services.
• Good communication (both verbal and written) skills in both English and the local language.
• Ability to handle pressure and meet deadlines.
• Good networking and relationship building skills.