Banker-Authorizer

About the Role

The Bank Authorizer is a critical role within the Branch Banking function of Retail Banking , responsible for delivering best-in-class customer service and ensuring operational excellence across PAN India branches. The role focuses on engaging with customers, managing retail banking operations, driving liability growth, and ensuring compliance with regulatory standards. The incumbent plays a key part in enhancing customer satisfaction, supporting cross-sell initiatives, and contributing to the overall performance of the branch.

Key Responsibilities

Primary Responsibilities

• Engage daily with customers to drive growth inCurrent Accounts (CA),Savings Accounts (SA), andTerm Deposits (TD), along with cross-selling of asset and wealth products.
• Achieve business targets as defined in the performance scorecard.
• Provide need-based product solutions by aligning customer requirements with banking offerings.
• Assess customer potential and ensure higher product penetration per relationship.
• Generate referrals and additional business from existing customers.
• Ensure a customer-focused approach for quick and effective resolution of queries and complaints.
• Adhere to banking regulations and internal policies related toAnti-Money Laundering (AML),Know Your Customer (KYC), andData & Information Security.
• Assist in the closure of audit observations and ensure compliance with audit requirements.
• Manage client relationships and deliver high-quality customer service across retail banking operations.

Secondary Responsibilities

• Perform internal audits and ensure compliance with all regulatory and organizational guidelines.
• Continuously strive to enhance service quality and customer satisfaction.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate degree in any discipline is preferred.

Experience

• Minimum of 6 years of relevant experience in banking or allied sectors.

Skills and Attributes

• Strong customer engagement and relationship management skills.
• In-depth understanding of retail banking operations and compliance requirements.
• Excellent communication and problem-solving abilities.
• Proven ability to meet and exceed sales and service targets.
• High level of integrity and attention to detail.
• Proficiency in banking systems and digital platforms.
• Team handling experience preferred.
• Fluent in English with strong business communication skills