Cluster Lead - Current Account

Job Requirements

Role/ Job Title: Cluster Lead-Current Account

Business: Retail Banking

Function/ Department: VRM

Job Purpose :

'The Current Account – Elite Banker(Virtual sales) is responsible for managing and growing a mapped portfolio of Current Account customers through virtual and digital engagement channels. Operating from a centralized sales or service hub, the role focuses on CASA growth, customer acquisition, relationship deepening, cross-selling of banking products, and delivering a superior customer experience.

The role combines sales-driven relationship management with strong operational discipline and compliance, ensuring customers receive personalized, solution-oriented banking support while adopting digital banking platforms.

Key / Primary Responsibilities :

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• Manage a mapped portfolio of Current Account customers through virtual interactions (calls/digital channels).
• Deepen customer relationships to enhance overall relationship value and wallet share.
• Drive CASA value build-up and acquire new Current Account customers in line with targets.
• Increase product holding per customer through effective need-based cross-selling.
• Profile customers to identify financial needs and recommend suitable banking solutions.
• Cross-sell banking products including Credit Cards, CMS, POS, Trade Services, Retail and SME Loans, Insurance, Investments, SIPs, and other bank programs.
• Promote and onboard eligible customers to Relationship Banking / Preferred programs.
• Coordinate with branch and internal teams to close working capital, business loans, retail asset, CMS, POS, and trade transactions generated through virtual engagement.
  
  

Secondary Responsibilities :

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• Support audit requirements and control checks as defined by the bank.
• Contribute to process improvements and best practices in virtual relationship management.
• Collaborate with branch and cross-functional teams to achieve overall business objectives.
  
  

Qualifications: Graduate Degree/Post Graduate Degree

Years of Experience - Minimum 2 years of experience in banking or allied financial services. Mandatory to have leadership experience