Job Description

1. Role: Relationship Executive (RE) - New to Bank (NTB)As a Relationship Executive focusing on New to Bank (NTB) clients, your main responsibility is to bring in new customers who don't already have an account or relationship with the bank.Key Duties:- Acquiring new customers (retail or SME)- Promoting banking products (accounts, deposits, credit cards, loans)- Understanding customer needs and matching them with the right bank product- Maintaining relationships to encourage future business2. Bank Deposit ProductsThese are products where customers deposit money with the bank. You'll need to explain the features and benefits of these options.Types:Savings Account - Offers interest, ATM access, and is ideal for regular saving.Current Account - No interest, used for daily transactions (ideal for businesses).Fixed Deposit (FD) - Locked for a term (e.g., 1 year) and gives higher interest.Recurring Deposit (RD) - Fixed monthly deposit for a set term.What to Highlight:- Interest rate- Minimum balance- Tenure flexibility- Premature withdrawal rules- Safety (especially for large deposits - insured by central bank up to a limit)3. Drive Credit Card SalesAs a Relationship Executive, you may be assigned targets to sell or "drive" credit card sales.Key Points to Know:Types of credit cards (Classic, Gold, Platinum, Cashback, Travel, etc.)Eligibility: salary, credit score, residence- Benefits to pitch:- Welcome bonuses- Cashback or reward points- Airport lounge access - Free movie tickets or dining discounts- Interest-free period (usually 45-55 days)Charges:Annual fee (may be waived on spending)Interest rate on unpaid duesLate payment feeSales Tips:- Match card type with customer lifestyle (e.g., traveler, shopper, salaried)- Explain how the customer can avoid interest (pay full due on time)- Handle objections like "I already have one" by offering value add or balance transferGeneral Tips for Success:- Know your bank's products in detail- Be polite but confident- Understand the customer's financial goals- Build trust - don't just "sell," educate the client- Keep up with offers, promotions, and policy changes (ref:updazz.com)