Job Description

1. Job Overview
| Job Details | Information |
|---|---|
| Company Name | HDFC Bank |
| Job Role | Personal Banker |
| Business Unit | Retail Branch Banking |
| Job Location | Bardhaman, West Bengal |
| Job Function | Sales – Retail Banking |
| Salary | Not specified in the provided vacancy details |
| Qualification | Graduation required; Post-Graduation preferred |
| Experience | Not specifically mentioned |
| Job Type | Full-Time |
| Reporting To | Branch Head |
2. Job Description
HDFC Bank has an opportunity for the position of Personal Banker under its Retail Branch Banking division in Bardhaman, West Bengal.
The Personal Banker will primarily be responsible for managing a portfolio of Classic customers, building strong customer relationships, acquiring new customers and increasing the use of banking and financial products.
This is a customer-facing banking role with a strong focus on sales, relationship management and service. The selected candidate will be expected to understand customer requirements, recommend suitable financial products and maintain long-term relationships.
The role also involves cross-selling products such as investment, insurance, Demat, bill payment and other banking-related services while ensuring proper documentation, KYC compliance and quality customer service.
Candidates looking to build a career in private banking, retail banking, relationship management or financial services may find this position relevant.
3. About HDFC Bank
HDFC Bank is one of India’s major private-sector banking institutions, offering a wide range of retail, corporate and financial services.
The bank was incorporated in August 1994 and began its banking operations in January 1995. Its operations cover retail banking, wholesale banking and treasury services, supported by a large branch and ATM network across India.
According to the company information provided in the vacancy, as of March 31, 2026, HDFC Bank had 9,689 branches and 21,172 ATMs across 4,175 cities and towns. Around half of its branches were located in semi-urban and rural areas.
4. Eligibility Criteria
Education Qualification
Candidates should have a Graduation degree from a recognized institution. Post-Graduation is preferred for this position.
Age Limit
A specific age limit has not been mentioned in the provided vacancy details. Candidates should check the latest recruitment information before applying.
Gender
The vacancy details do not specify any gender restriction. Eligible candidates may apply as per the official recruitment requirements.
Experience Required
The provided job description does not clearly specify a mandatory experience requirement. Candidates with relevant banking, sales, relationship management or financial-services experience may have an advantage.
Certifications
Relevant financial-sector certifications mentioned for the role include:
- NISM V-A Certification
- IRDA Certification
- GI Certification
Candidates should verify which certification is mandatory or preferred at the time of recruitment.
5. Job Responsibilities
- Manage the assigned Classic customer portfolio and maintain strong relationships.
- Acquire new customers and expand the existing customer base.
- Increase customer engagement through suitable banking products and services.
- Build relationships with customers and their family members where appropriate.
- Achieve assigned targets for income-generating products.
- Improve customer profitability and increase the overall wallet share.
- Identify cross-selling opportunities based on customer requirements.
- Promote products such as Demat, Bill Pay, investment and advisory services.
- Promote third-party financial products including mutual funds, insurance and bonds.
- Provide prompt and professional customer service.
- Handle customer queries and complaints within the prescribed turnaround time.
- Encourage customers to use digital and direct banking channels.
- Support timely account opening and ensure proper customer communication.
- Maintain accurate customer information and interaction records in the CRM.
- Maintain daily sales and activity reports.
- Ensure quality acquisition of savings and current accounts.
- Monitor significant account movements and identify possible customer attrition.
- Ensure account-opening documentation is accurate and complete.
- Follow KYC requirements and applicable banking procedures.
- Support locker-related operations and standing instructions.
- Maintain and update relevant leads and customer databases.
- Coordinate with branch operations and other internal teams when required.
6. Required Skills
Technical & Banking Skills
- Knowledge of retail banking products and services.
- Understanding of savings and current accounts.
- Basic knowledge of investment, insurance and financial products.
- Familiarity with KYC and account-opening procedures.
- Ability to identify sales and cross-selling opportunities.
- CRM and customer database management skills.
- Awareness of competing banking products and services.
Soft Skills
- Strong communication skills.
- Customer relationship management ability.
- Sales and influencing skills.
- Good negotiation and convincing ability.
- Planning and organizational skills.
- Target-oriented approach.
- Problem-solving ability.
- Professional customer-service attitude.
- Ability to work effectively with branch and support teams.
7. Salary Details
The salary or CTC for the Personal Banker position has not been specified in the supplied vacancy information.
Since this is a private-sector banking role, the final compensation may depend on factors such as candidate qualifications, relevant experience, location, role level and the bank’s internal salary structure.
Candidates should confirm the offered salary, incentives and other compensation components directly from the official recruitment communication before accepting an offer.
Depending on the applicable employment structure, banking sales roles may also include performance-linked incentives in addition to fixed compensation. However, candidates should not assume any specific incentive amount unless it is confirmed by HDFC Bank.
8. How to Apply
Candidates interested in the HDFC Bank Personal Banker vacancy can follow these steps:
- Check the latest official HDFC Bank recruitment notification or career listing.
- Search for the Personal Banker position available for Bardhaman, West Bengal.
- Carefully review the eligibility criteria and job responsibilities.
- Prepare an updated resume highlighting your graduation, banking knowledge, sales experience and relevant certifications.
- Complete the online application form with accurate personal, educational and professional information.
- Upload the required documents, if requested.
- Submit the application and keep a copy of the acknowledgement or application details for future reference.
- If shortlisted, attend the interview or selection process as instructed by the recruitment team.
Important: Candidates should verify the vacancy and application process through an official HDFC Bank recruitment source before sharing personal information or paying any fee.
9. Required Documents
Candidates may be asked to provide the following documents during the application or selection process:
- Updated Resume/CV
- Recent passport-size photograph
- Government-issued ID proof
- Address proof
- Graduation certificate or degree
- Academic mark sheets
- Post-Graduation documents, if applicable
- Relevant banking/financial certifications, if applicable
- Experience certificate, if applicable
- Other documents requested by the employer
10. Other Important Details
Department: Retail Branch Banking
Role Type: Sales – Retail Banking
Work Location: Bardhaman, West Bengal
Reporting: Branch Head
Primary Focus: Customer acquisition, portfolio management, relationship building, cross-selling and customer retention.
The position requires regular interaction with customers and coordination with branch banking, operations, insurance, mutual fund and other financial-service teams.
Candidates should be comfortable working with sales targets and maintaining high standards of customer service. Accurate documentation and compliance with KYC and internal banking procedures are also important parts of the role.
The exact working hours, shift schedule, leave policy, incentives, insurance benefits and other employee facilities were not specified in the supplied vacancy information. Candidates should confirm these details during the recruitment process.