Branch:Branch Relationship Officer

Branch Relationship Officers (BROs) play a vital role within the branch banking team, serving as the primary point of contact for retail customers. They are responsible for delivering financial solutions by promoting the bank’s products and services to both existing and new-to-bank customers. BROs actively engage in customer visits and referral generation activities to expand the customer base. Their role also involves cross-selling various banking products, processing customer transactions efficiently, and ensuring timely service delivery within defined turnaround times. Additionally, BROs may be assigned teller duties to handle cash transactions and are encouraged to introduce customers to alternate banking channels such as internet banking, mobile banking, and WhatsApp banking.

Key Responsibilities:

- Provide tailored financial solutions and cross-sell the bank’s retail and third-party products, including life insurance, general insurance, mutual funds, and loans, in line with assigned targets.
- Consistently achieve monthly business budgets set by the organization.
- Generate referrals and leads to acquire new customers for the bank’s products.
- Participate in marketing activities and conduct customer visits outside the branch to promote banking products.
- Engage with existing customers to increase deposits and cross-sell additional products.
- Ensure timely and accurate processing of customer transactions and service requests.
- Address customer queries effectively to maintain high satisfaction and minimize complaints.
- Adhere strictly to all regulatory and compliance guidelines, including KYC and AML requirements.
- Meet audit standards to achieve optimal audit ratings.
- Complete all mandatory certifications relevant to the role, such as EUIN and SP Certification.
- Participate in ongoing training and learning programs conducted by the bank.
- Maintain daily records of customer interactions in the bank’s CRM system.
- Support and actively participate in various bank initiatives, campaigns, and drives.

Required Qualifications:

- Graduation or Post-Graduation from a recognized institute.
- Strong knowledge of banking regulations and compliance norms.
- Proficiency in banking products and services.
- Excellent communication skills in English and the local language, both verbal and written.
- Ability to work under pressure and meet deadlines consistently.
- Strong interpersonal skills with the ability to build and maintain customer relationships and networks.
- Attention to detail, especially in handling cash transactions and financial documentation.
- Familiarity with regulatory requirements such as KYC (Know Your Customer) and AML (Anti-Money Laundering).
- Sales aptitude with effective negotiation skills to promote financial products.

This role offers an opportunity to be at the forefront of the bank’s customer engagement strategy, contributing directly to deposit mobilization and business growth. Candidates will benefit from continuous learning and development initiatives, as well as the chance to work in a dynamic environment that values customer service excellence and compliance adherence.