This Banking professional has to acquire high-quality business by rigorously studying the catchment, identifying business potential, understanding customer needs and by building business relationships.This requires extensive knowledge on Banking fundamentals, Banking regulations, Business development skills through effective Relationship management, Wealth management etc. This Banking professional acts as a single point of contact for Retail Customers who contribute to the Bank’s business.
This is a critical role of the Banking function and requires persistence, attention to details, analytical reasoning, problem-solving skills and high-level ability to build relationships.
The other major responsibilities of this banking professional comprises of managing customer queries and resolving them in a timely manner, generating referrals through excellent customer service and cross-selling other banking products by understanding the customer’s needs.
HCL TalentCare’s program is designed to build these skills while exposing the scholars to state-of-the-art tools, techniques and developments.
This module covers the fundamentals in Banking. It maximizes the scholar's understanding of Retail Banking Industry, Retail Banking Operations and Banking Regulations.
The various Products and Services offered by Banks are covered in this module. These include the various primary products and cross-sell products offered by a Retail Bank. Primary products include Savings Account, Current Account, Fixed Deposit, and Recurring Deposits which are classified as Liabilities. Cross- sell products include various types of loans, Credit cards etc. which are classified as Asset products. This module also covers topics on Modern Banking Services like Net banking, Mobile banking, ATM services etc. through which Banks offer Digital Banking services.
Specialization in this module focuses on development of essential skills like Selling skills, Business Development skills, Customer Service skills and Performance Management skills. This module plays a key role in shaping up the scholars appropriately to align with organisational objectives.
This module uses HCL TalentCare’s proprietary methodology that enables graduates to be completely role-ready. Super-specialization is also defined by the specific requirements of the clients where the graduate would finally be deployed. For example, for the role of a Sales Officer, this module covers essential components like identification of potential customers thru specific business strategies, enhancement of value using relationship building skills, product penetration using cross selling skills with a focus on revenue generation..
This module integrates conceptual learning with practical application by helping the scholars systematically build solutions in scenario-based cases or simulated environments. For example, as part of YGSOP practice school, Scholars get an opportunity to map the Branch Catchment, to formulate strategies for Sales. We also simulate a Banking environment to emulate real-time Banking scenarios with role plays on the floor. Customers would walk into the Simulation Lab and scholars would act as a Banking professionals to render Banking services. Scholars are trained on day-to-day Banking operations in this module. Role plays, Case studies, Assignments, Project work, Group work and Self-product experience form a crucial part of the learning methodologies practiced in this module.
Before getting deployed into the end-client’s organization, the scholar is offered a structured and closely-mentored internship with potential clients. This on-the-job training module ensures that Banking scholars acquire first-hand experience of working in a Retail Bank with well-defined expectations and deliverables, before they are deployed into their respective roles.