Job Overview: Branch Sales Officer
The Retail Banking Branch Sales Officer role at HDFC Bank focuses on sourcing new business, acquiring quality customers, and building long-term relationships that support the bank’s growth. As a Sales Officer in the CASA (Current Account & Savings Account) segment, your primary responsibility is to bring in new accounts through field sales, cold calling, catchment area activities, referrals, and by using internal databases. You also play a key role in fulfilling leads generated by other teams, ensuring timely follow-ups, and meeting customer expectations as per the defined TAT.
This role is highly customer-centric and demands strong communication skills, product knowledge, and the ability to build trust. In addition to CASA sales, you are expected to generate cross-sales for fixed deposits, recurring deposits, personal loans, business loans, auto loans, consumer durable loans, and insurance products. Maintaining business hygiene, updating customer records, adhering to KYC/AML guidelines, and ensuring welcome kit management are also essential responsibilities.
Overall, the Retail Banking Sales position is ideal for candidates who enjoy fieldwork, have a passion for customer engagement, and want to build a rewarding career in India’s leading private sector bank. The job offers stability, growth opportunities, attractive incentives, and an excellent learning environment.
Highlights (Summary)
- Role: Retail Banking Sales (CASA Acquisition)
- Industry: Banking & Financial Services
- Employment Type: Full-Time, Permanent
- Objective: Acquire new customers and grow CASA business
- Work Type: Field sales + Lead fulfillment
- Key Add-ons: Cross-selling, customer servicing, relationship building
- Best For: Freshers & experienced candidates interested in sales and banking careers
- Work Location: Branch-based with field activities
Eligibility Criteria
To apply for a Retail Banking Sales role at HDFC Bank, candidates must meet the following eligibility requirements:
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Educational Qualification
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UG: Any Graduate from a recognized university
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Post-graduation is optional but adds value.
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Age Limit
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Typically 21–32 years (may vary by branch)
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Experience
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Freshers can apply
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Experience in sales, field sales, insurance, or banking is preferred.
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Skills Required
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Good communication skills
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Basic knowledge of banking products
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Comfortable with fieldwork
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Customer handling skills
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Ability to achieve sales targets
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Other Requirements
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Smartphone usage knowledge
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Ability to travel within local areas
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Strong ethics and compliance mindset
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Key Responsibilities
1. Sourcing Business
You are solely responsible for sourcing new CASA accounts through multiple channels, such as:
- Open market activities
- Catchment area working
- Cold calls
- Referrals from customers, partners, and local networks
- Using internal databases
- Visiting corporate offices, markets, and residential areas
You must ensure the customers sourced meet the bank’s profile and value expectations.
2. Outbound Sales Sourcing
- Acquire Resident and Non-Resident accounts
- Generate high-quality leads
- Focus on value customers who maintain good balances
- Meet monthly productivity norms
- Document every customer interaction properly
3. Fulfillment of Leads
- Work on CASA leads generated from digital channels, tele-calling teams, marketing campaigns, and branch walk-ins
- Ensure timely follow-up as per TAT
- Help customers complete the account opening process without delays
- Maintain accuracy in documentation
4. Cross-Sales
You must generate a cross-sell of:
- Fixed Deposits (FD)
- Recurring Deposits (RD)
- Auto Loans
- Personal Loans
- Business Loans
- Credit Cards
- Consumer durable loans
- Mutual funds & insurance (depending on branch requirements)
5. Business Hygiene & Compliance
- No welcome kit should be kept without proper branch-level recording
- 100% adherence to KYC/AML norms
- Ensuring clean documentation and audit readiness
- Regular customer contact to improve value and maintain balances
6. Relationship Management
- Build long-term relationships with customers
- Engage with high-value clients
- Improve customer experience and satisfaction
Skills Required
Technical Skills
- Knowledge of CASA products
- Understanding of banking KYC/AML norms
- Basic computer and mobile app proficiency
- Ability to maintain records and track sales
Soft Skills
- Excellent communication skills
- Persuasion and negotiation ability
- Time management
- Customer service orientation
- Confidence during fieldwork
- Goal-oriented mindset
- Problem-solving
Preferred Key Skills
- Sales
- Field Sales
- CASA Sales
- Branch Sales
- Retail Sales
- Business Development
- B2C Sales
Salary & Benefits
Salary Range
- Average Salary: ₹2.5 LPA – ₹4.5 LPA
- Experienced candidates may earn up to ₹6 LPA
- Attractive monthly & quarterly incentives based on performance
Benefits Provided
- Health Insurance
- Provident Fund
- Childcare facilities
- Cafeteria
- Office cab/shuttle (depends on branch)
- Soft skill & job skill training
- Professional degree support for career growth
- Paid leaves, medical leaves, and performance bonuses
Selection Process
The selection procedure for HDFC Bank Retail Banking Sales typically includes:
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Application Screening
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HR reviews resumes to match eligibility criteria.
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Telephonic/Video Interview
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Basic questions about sales, communication, experience, and availability.
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Face-to-Face Interview
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The branch manager evaluates understanding of sales, banking basics, and confidence.
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Documentation & Background Check
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Submit educational documents, ID proofs, and previous work documents.
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Final Offer Letter
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Given after the clearance of background verification.
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Application Process
Applying Online:
You can apply through:
- HDFC Bank official careers website
- Job portals like Naukri, Indeed, LinkedIn
- Walk-in drives at branches
- Through employee referrals
Steps:
- Visit the careers page/job portal
- Search “Retail Banking Sales / CASA Sales.”
- Fill the application form
- Upload resume
- Attend telephonic screening
- Visit the branch for an interview
Why Join HDFC Bank Jobs?
- India’s leading private sector bank
- Strong brand reputation and customer trust
- Stable career with growth opportunities
- Performance-based incentives
- Exposure to banking products and customer relationship management
- Training programs for skill development
- Chance to switch roles internally (operations, credit, branch management)
- Work-life balance (depending on location)
- Learning environment for freshers
About the Company
HDFC Bank is one of India’s largest and most respected private sector banks. Established in 1994 after receiving approval from the Reserve Bank of India (RBI), the bank has consistently led the industry through innovation, customer-centric service, and a strong digital footprint. As of December 31, 2024, HDFC Bank operated through an expansive network of 9,143 branches and 21,049 ATMs across 4,101 cities and towns in India. Nearly 51% of these branches are located in semi-urban and rural regions, demonstrating the bank’s commitment to financial inclusion.
HDFC Bank also has an international presence with branches in Hong Kong, Bahrain, Dubai, and an IFSC unit in Gujarat International Finance Tech City (GIFT City). In addition, it has representative offices in Kenya, Abu Dhabi, Dubai, London, and Singapore. These international units help Non-Resident Indians (NRIs) and global clients access India-based banking and housing loan services easily.
The bank offers a wide range of financial products, including retail banking, wholesale banking, credit cards, loans, investments, insurance, payments, and digital banking solutions. Known for its strong technological backbone, HDFC Bank provides one of the most secure and seamless digital banking experiences in India.
Over the years, the bank has won numerous awards for customer service, operational efficiency, and financial performance. With a focus on transparency, trust, and responsible banking, HDFC Bank continues to be the preferred employer for thousands of young professionals looking to build a long-term and fulfilling career in the banking industry.
Conclusion
A Retail Banking Sales career at HDFC Bank is ideal for individuals who enjoy meeting people, working in the field, and helping customers with their financial needs. With excellent training, stable salary, incentives, and growth opportunities, this role provides a strong foundation for a long-term banking career. Whether you are a fresher or have experience in sales, the bank offers a structured career path, job security, and a chance to work with one of India’s most trusted financial institutions.
FAQs – HDFC Bank Retail Banking Sales
Q1. Is this a field job?
Ans. Yes, major work involves field sales and customer visits.
Q2. Do freshers apply?
Ans. Yes, freshers are welcome.
Q3. What is the salary?
Ans. ₹2.5 LPA to ₹4.5 LPA + incentives.
Q4. Is it a permanent job?
Ans. Yes, it is a full-time permanent role.
Q5. What products will I sell?
Ans. CASA, FD, RD, loans, and sometimes insurance.
Q6. What skills are needed?
Ans. Communication skills, sales ability, and basic banking knowledge.
HDFC Bank Careers:- https://www.hdfc.bank.in/careers
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