Actively identify and pursue sales opportunities by:
Promote product bundles (where applicable) to higher cross-sell penetration and contribute to growth in bank’s revenue
Actively source for new sales and leads within internal database and cross-referral obtained from A@W, Commercial and Corporate Banking
Generate new leads through networking with lawyers, developers, real estate agents, SME/Commercial/Corporate, associations, clubs, etc.
Attend to sales leads and referrals
Execute requisite number of tele-consulting calls and appointments
Execute sales performance and tracking processes by:
Ensure own sales performance meet targets which contribute to the aggregate branch target
Compile and submit accurate and timely sales reports
Ensure all client engagement activities are properly updated in CRM system.
Maintain accurate and updated information by:
Keeping abreast with updated product information and market changes (e.g. revised interest rates of Alliance Bank products and competitors)
Portfolio & Relationship Management
Grow customer franchise and contain customer attrition at low rate
Constantly grow balances and share of wallet in key products
Actively convert existing FD portfolio to revenue generating products i.e. CASA and/or UT/BANCA/FCA/DCI/product bundles
Increase average customer product holding ratio
To actively market and sell Alliance Bank’s consumer products to own portfolio of PB customers by:
Understanding and assessing customers’ requirements and recommend appropriate consumer products
Actively cross-selling to Alliance Bank’s customers
Conduct Need Based Analysis, ISA and Portfolio review
Ensure all assigned PB customers are contacted and engaged with product and promotion updates, portfolio review and etc.
Referring new non-consumer lending opportunities and completing the referral form to direct to the appropriate lending units (e.g. Commercial and Corporate Banking).
Build and maintain long-term and profitable relationships by:
Providing quality customer service.
Resolving customers’ problems and complaints on sales-related matters and escalate unresolved complaints to immediate supervisor on exception basis
Resolve customers’ problems and complaints on sales-related matters and escalate unresolved complaints to Cluster Head and Customer Care / Service Quality Unit for formal reply
Ensure turnaround time for credit applications and fulfillment processes are within service levels agreed upon. Escalate to Cluster Head when necessary
People Management
Ensure that the branch operation staff supporting the Centres well versed with the products and sales skills by:
training/ coaching / mentoring / leading consistently
Encourage and promote teamwork within branch sales and service team by:
Providing assistance (e.g. training, knowledge sharing, covering of duties) to sales team members where necessary
Identifying and sharing new ideas and approaches for increasing sales and maximising customer experiences
Maintaining a conducive and professional working relationship within the sales team
Participate in daily / weekly service briefings conducted by Service & Operations Manager
Project a professional business image at all times through high standards of housekeeping and personal grooming and by being a role model to the juniors
Strictly adhere to contact management & service standards for calls, visit, portfolio review and market research frequency to PB customers
4. Risk & Regulatory Management
Adhere to the Account Opening & Sales Process.
Conduct portfolio review with customers at least every 6months.
Conduct review of customer’s investment profile annually
To manage portfolio risk exposure for customers
To ensure that there are no discrepancies, exceptions and non-compliance when booking rates (e.g. Unit Trust and Currency products)
To comply strictly with Alliance Bank’s policies and procedures.
NOTE: Job Descriptions are subject to change at the discretion of the Management
