Job Title CARM Business Unit Retail Branch Banking Reporting To Branch Manager Job Function and Role Type Sales, Individual Contributor Version No Job Purpose Drive customer engagement, enhance relationship value, and achieve business targets through sales and service excellence. Ensure portfolio health and migration to digital platforms. Key Responsibilities Customer Engagement Ensure Customer Engagement responsibilities are completed. Customer Service Conduct personal visits at pre-defined frequency. Build strong customer relationships to ensure engagement. Resolve customer queries and service requirements proactively. Customize products to ensure primary banking behavior. Enhance Relationship Value Offer suitable products for family and business banking needs. Maximize relationship value, including Group Firms. Product Penetration Understand customer profiles and business requirements. Provide solutions like Trade Finance, Forex, Loans, and Insurance. Migration to Digital Platform Promote digital banking channels like Net Banking and Mobile Banking. Encourage transaction migration based on customer preferences. Central Initiatives Maintain portfolio health through account activation and balance maintenance. Act on central triggers and customer service initiatives. Education: Graduation required; Post-graduation preferred. Certifications: Sales and Influencing Skills, Banking Product Knowledge, Communication. Key Competencies Sales and Influencing, Planning and Organizing, Communication, Knowledge of Competition, Banking Product Knowledge. Major Stakeholders Customers, Branch Banking Team, TPP Team, Asset Team.