This module will act as an eye-opener to learners on the basics of retail banking and the new role that relationship and sales professionals are playing in the contemporary banking ecosystem. Students at BBSMIT receive knowledge about the operation of the banks and the services that the banks provide to individual customers, which are basic to a bright career in banking.
The learners study different retail banking solutions, like savings accounts, current accounts, fixed deposits, recurring deposits, credit products (personal loans, home loans, vehicle loans), and digital banking solutions. The module will highlight the importance of these services to the day-to-day financial requirements of the customers and long-term financial planning.
In this section, the author concentrates on the duties of the banking sales professionals that comprise customer acquisition, cross-selling of financial products, customer satisfaction, and attainment of business targets. Communication skills, banking ethics, and sales strategies needed in managing relationships with people are some of the training offered to the students.
The learners also get a clear guide of possible career advancement in the retail banking sector, where one can begin as a sales executive and rise to become a branch manager and even regional sales head. The module points out the qualifications, skills, and performance standards required to move up.
This module provides learners with applicable skills and techniques applied in the process of acquiring new customers in the retail banking industry. BBSMIT students learn how to professionally find opportunities, contact them via various methods, and turn them into long-term customers, which are the main skills of a relationship and sales specialist.
The learners get exposed to the methods of profiling and segmenting the potential customers in terms of demographics, financial needs, and behavior patterns. The module gives an insight into local area mapping, business intelligence, and customer data analysis to assist students in reaching the right audience.
In this section, the learners are trained on how to make first contact with the customer by cold calling and a Field visit. It is stressed how to create compelling pitches, manage counterarguments, and adhere to ethical selling to develop trust and create interest.
Students get to know how to manage the inbound leads, be it the walk-in traffic in a branch, referrals by customers, or the online campaigns. The module offers ideas on lead qualification strategies, utilizing CRM tools, and ensuring high conversion rates by making proper and prompt follow-ups that are customized.
This module provides an overview of the main financial products of retail banks to the learner. Students at BBSMIT are made to understand the structure, advantages, as well as target group of each product, which forms a solid background to individualized customer suggestions.
Learners are aware of the distinction between savings and current accounts, their characteristics in terms of interest rates, minimum balance, and transaction limits. Focus is applied on appropriateness based on the clientele.
This section explains the fixed and recurring deposit tenure period, benefits, and investment structure. Students are taught the positioning of these products to clients who are interested in saving money with low risk.
Learners are introduced to the world of consumer lending products, including their eligibility, interest charged, repayment plans, and risks. It is geared towards assisting customers to borrow wisely.
The students are given an introductory exposure to insurance and the types of mutual funds. The module teaches on risk coverage, simple investment returns, and the necessity of product diversification to financial planning.
The module creates compelling communication and bargaining skills required to turn leads into customers. At BBSMIT, learners are equipped to present products in the best manner, overcome objections in an assertive manner, and close in a professional way.
The learners will be taught to actively listen and use need-to-know questioning to understand the pain points and preferences of customers to whom relevant pitches must be tailored.
In this section, students learn to position the features of products as the direct answers to the problems of the customers in a clear and organized manner so as to have the maximum effect.
Students are taught how to handle typical price, product fit, or urgency objections. The module focuses on sympathy, articulation, and reaffirmation of values.
Learners are introduced to tested closing techniques, such as assumptive closes, urgency creation, and benefit reiteration, to successfully finalize the sale.
This module will provide the learners with appropriate skills on how to establish and sustain long-term relationships with customers. At BBSMIT, professional follow-up techniques, retention strategies, and value-based communication are taught to the students to promote customer satisfaction and loyalty.
Learners appreciate the need to make follow-ups in good time after customer contact, be it after product enquiry, service request, or sales presentation, to keep the customer engaged and allow them to build trust.
Topics of retaining customers through loyalty programs, being proactive in communicating and maintaining the relationship by personalizing contact, are all part of this section.
In order to increase client value and product penetration, students are taught how to identify opportunities and suggest pertinent or enhanced banking products.
The module teaches the learners how to resolve conflicts, handle complaints, as well as apply empathy and solution-based communication to improve the customer experience.
The module develops the core operational competencies in terms of customer onboarding and regulatory compliance. At BBSMIT, students learn to work with sensitive documents, and they are taught to do it correctly and follow the banking standards.
Learners get acquainted with the documents that are obligatory within the Know Your Customer (KYC) recommendations. They are told to verify address and identification certificates to ensure the data is accurate.
The section will involve practical training in filling and confirming account opening forms, both physical and digital.
Students acquire elementary knowledge of important RBI guidelines concerning customer identification, anti-money laundering, and risk-based customer categorization.
This module trains learners in performance-driven planning and analysis, which is critical to achieving banking sales goals. At BBSMIT, students are taught how to set realistic sales targets and track progress systematically.
Students learn how to break down annual goals into achievable monthly sales and service targets, aligning with branch and organizational objectives.
This section covers the preparation and usage of performance sheets for tracking individual contribution, productivity, and growth over time.
Learners are trained to analyze lead-to-sale conversion ratios, understand gaps, and improve closing efficiency based on data insights.
The module will develop the communication and interpersonal skills of learners, which are the necessary qualities in customer-focused banking jobs. At BBSMIT, students learn how to establish trust and how to effectively respond to queries, as well as how to act professionally in any channel.
To ensure that the tone of voice, comprehension, and promptness are responsive to the workplace environment, the learners receive coaching on how to write well-structured and courteous emails and how to conduct a professional phone conversation.
In this section, the students are assisted in establishing the techniques of active listening to enhance their understanding of the needs of their customers so that they can effectively deliver their services and resolve complaints.
Students learn the value of empathy, patience, and building connections, as well as the necessity of approaching every interaction with a customer-centric mindset.
This module introduces the essential tools and reporting frameworks used in day-to-day banking sales operations. Students at BBSMIT are trained in using basic tech platforms and structured formats to streamline data tracking and reporting.
Learners gain hands-on experience in using CRM software or spreadsheets for recording and tracking sales leads, follow-ups, and outcomes.
This section teaches the structure and purpose of daily sales reports, covering targets achieved, leads worked, conversions, and pending follow-ups.
Students are introduced to the fundamentals of Management Information Systems (MIS), including data entry, reporting frequency, and using MIS to track performance and insights.
This module builds foundational awareness of ethical banking practices and regulatory norms. At BBSMIT, learners are trained to uphold integrity, legal compliance, and customer trust.
Students are introduced to the behavioral and operational standards expected from banking professionals as per institutional and industry codes.
This section educates learners about ethical selling practices and the negative impacts, both legal and reputational, of mis-selling financial products.
Learners understand the importance of protecting customer information, ensuring they handle data in compliance with privacy policies and banking laws.
With BBSMIT's training program, you may launch your career as a Certified Banking Relationship & Sales Professional. Get real-world experience, professional advice, and practical skills to succeed in one of the fastest-growing job sectors in India.
Limited seats available. Enroll now and transform your future in retail banking
Types of banking services Role of a Relationship & Sales Officer Career scope & growth path
Identifying potential customers Cold calling & field sourcing basics Using leads from walk-ins, referrals, digital
Savings & current accounts Fixed deposits, recurring deposits Credit cards, personal loans, home loans Insurance & mutual funds (basics only)
Understanding customer needs Pitch structuring (problem > solution) Objection handling Closing techniques
Follow-up process Retention strategies Upselling & cross-selling Handling service issues professionally
KYC checklist Account opening form filling Basic RBI norms awareness
Monthly target setting Personal performance sheet Conversion ratio analysis
Professional email & phone etiquette Active listening skills Customer-first approach
CRM software / Excel lead sheet Daily sales reporting format MIS basics
Banking code of conduct Mis-selling consequences Customer data confidentiality
Programing
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