Damini Verma

Client Relationship Management:

• Develop and nurture relationships with existing and potential clients.Understand clients’ financial needs and recommend suitable banking products and services.
  Act as the primary point of contact for client inquiries and issue resolution.
  

Sales and Business Development:

• Achieve branch sales targets by promoting banking products and services.Cross-sell and upsell financial products such as loans, mortgages, investments, and insurance.
  Identify opportunities to expand the client base and generate new business.
  

Customer Service Excellence:

• Provide exceptional customer service to enhance client satisfaction and retention.Handle customer complaints and inquiries efficiently and professionally.
  Ensure compliance with regulatory requirements and internal policies.
  

Financial Advisory:

• Offer financial advice and guidance based on clients’ financial goals and risk tolerance.Conduct financial assessments and recommend appropriate investment strategies.
  Collaborate with wealth management and investment teams to deliver comprehensive solutions.
  

Team Collaboration:

• Work closely with branch managers, sales teams, and support staff to achieve collective goals.Participate in sales meetings, training sessions, and team-building activities.
  

Skills and Qualifications:

• Proven experience in retail banking or financial services, with a focus on relationship management.
• Strong sales acumen and ability to meet and exceed sales targets.
• Excellent communication and interpersonal skills.
• Sound understanding of banking products, services, and industry regulations.

• Builds business by identifying and selling prospects; maintaining relationships with clients.
• Identifies business opportunities by identifying prospects and evaluating their position in the industry; researching and analyzing sales options.
• Sells products by establishing contact and developing relationships with prospects; recommending solutions.
• Maintains relationships with clients by providing support, information, and guidance; researching and recommending new opportunities; recommending profit and service improvements.

• Relationship building with both internal and external customers
• Ensuring and tracking required client calls for both existing and prospective clients on CRM.
• Preparation of CAM, engaging with Credit for approval, and engaging with Operations for disbursement and ensuring defined TATs
• Initiatives, process innovation beyond normal work
• Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEMs.
• To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding
• To track Market and Competition
• Product Holding per client
• Portfolio Management (25CR)
• Selling of banking products to clients. Products might include CASA, Credit Cards, Mortgage, Loans or all of these.
• Providing client service to existing customers. They are required to manage all aspects of customer relationships
• Corporate sales to get premium and HNI clients
• Strategizing & implementing ways to achieve sales targets
• Deepening & cross-sale of bank products - liabilities, assets & TPP

• Execute and monitor overall administration and efficient daily sales of a full service branch office;
• Including operations, lending, product sales, customer service, security and safety in accordance with the Bank's objectives.
• Responsible for ensuring that clients are handled in a professional manner, the information provided is correct and clients are correctly referred.