Insurance Advisor

A *Financial Advisor in banking*

*Core Roles & Responsibilities*

*1. Client Relationship Management*

- Understand customer’s financial goals, income, risk appetite, and life stage

- Build long-term trust and act as primary point of contact for all financial needs

- Regular portfolio reviews and updates based on life changes

*2. Financial Planning & Advisory*

- Create personalized financial plans: savings, investments, tax, retirement

- Advise on asset allocation across FDs, RDs, mutual funds, bonds, PPF, NPS

- Guide on loan products: home loans, personal loans, education loans, credit cards

*3. Product Sales & Targets*

- Recommend suitable bank/third-party products: insurance, demat, mutual funds, PMS

- Meet monthly/quarterly targets for AUM, CASA, loans, and fee income

- Ensure products match customer profile - no misselling

*4. Risk Profiling & Compliance*

- Conduct risk assessment before suggesting any investment

- Follow RBI, SEBI, IRDAI guidelines and internal bank compliance

- Maintain proper KYC, documentation, and disclosures

- Explain risks clearly - no guaranteed return promises

*5. Portfolio Monitoring*

- Track client investments and suggest rebalancing when needed

- Keep clients updated on market changes, interest rate shifts, new products

- Flag underperforming investments and suggest alternatives

*6. Cross-selling & Revenue Generation*

- Identify opportunities to deepen banking relationship

- Promote digital banking, net banking, mobile apps for convenience

- Help bank grow CASA deposits, fee income, and third-party revenue

• इस पार्ट टाइम टेलीसेल्स / टेलीमार्केटिंग Job में टेलीसेल्स / टेलीमार्केटिंग में 0 - 6 वर्षो का अनुभव वाले उम्मीदवारों की जरुरत है।