The retail bank mainly recruits salespeople to develop their activity. The profiles sought are varied!
Retail banking jobs
Retail banking, in other words, network banking (of branches) represents the core business of the banking sector: money collection, credit, commercial relations, etc. Banks recruit various profiles to increase their workforce, but this are the most sought after commercial agency trades!
Jobs in private banks for graduates require adaptability, indeed IT tools and procedures change quickly. Technical skills are important for progress, particularly in wealth management or in the professional market. In addition, it is necessary to have a good relationship because it allows to build customer loyalty and develop sales.
Charge to welcome
He welcomes and guides clients in the agency and by phone. The reception manager is responsible for carrying out the day-to-day operations of customers (cash management, check management, transactions, and means of payment). In addition, he has an advisory role in selling basic banking products and services. After a few years (between 2 and 5 years) of experience, it is possible to evolve towards a position of customer service representative for individuals.
Personal account manager
In his office, he manages a portfolio of clients from 200 to 500 households. It is there to meet the needs of its customers in terms of savings, financing, insurance or retirement. His responsibilities are higher because he must manage the risks associated with his clientele (overdrafts, credit, fraud, etc.), and he is also required to negotiate rates or rates.
Professional account manager
The account manager for Professionals advises and finances very small businesses (craftsmen, traders or liberal professions). Sometimes the advisor manages both the professional and the private part of 100 to 300 clients, so this job is particularly difficult and rewarding. Skills in financial analysis are necessary to exercise this profession, it is necessary to understand the functioning of a company and to detect the risks.
The business account manager takes care of a portfolio of 50 to 100 larger companies but does not manage the private part of the client. The skills required in financial analysis are superior, so recruiters choose the best BAC + 5 or business school profiles.
Wealth Management Advisor
He manages a high-end clientele to meet the specific needs of tax exemption, inheritance or retirement. The wealth management advisor must build loyalty and develop his clientele by offering personalized investments in life insurance, real estate or through mutual funds.
The director of a retail banking agency manages a team to achieve commercial objectives and manages the agency’s risks both on the market and in particular as well as for professionals. You can get these skills by pursuing banking courses in Delhi. The director must know all the trades of the bank, so he is often already practiced the various trades before. He must have a good relationship because he represents the agency during external events and he can manage all types of clients.
It is possible to evolve towards the profession of Private Management advisor who addresses a wealthy clientele, only the most competent employees are destined for this prestigious position.