ABYBBATCH9–Oct–Dec2019

Ret
ailBanki
ngSal
es(
PBS302)4Cr
edi
ts

UNI
T1:Ret
ailBanki
ngSal
esandMar
ket
ing-Faci
li
ti
esf
orRet
ailCust
omer
s

Market
ing/Sel
lingofRet
ailproducts,Debi
tCar
ds,IssueofATM/
Debitcar
ds,handl
ing
cust
omerrequestw.r.
tbl
ocking/i ssueofdupli
cat
ecards/non-
recei
ptofcashf r
om
ATM /Non-r
etr
ieval
ofcar
df rom ATM etc.

UNI
T2:Ret
ailBanki
ngSal
esDel
iv
eryChannel
s

Del
iveryChannels -Branch,Extensi
on counter
s,ATMs,POS,Int
ernetBanki
ng,M-
Banking.Sel
l
ingProcessi
nretai
lproduct
s-Di
rectSel
l
ingAgent
s.

UNI
T3:Regul
ator
yNor
msi
nBanki
ng

BCSBICodesCompl i
ance,OmbudsmanScheme,Compensat
ionPol
i
cy,Mandat
ory
Di
splayatbr
ancheset
c.

Uni
t4:Cust
omerRel
ati
onshi
pManagement

CustomerRelat
ionshi
p Management– Def i
ning and under
standi
ng CRM ,Basi
c
Determi
nant
sofCRM ,Funct
ionsofCRM Model,Managi
ngCustomerRelati
onshi
ps

UNI
T5:Thi
rdPar
tyI
nvest
mentPr
oduct
s

Nati
onalPensi
onSchemeandPublicprovi
dentFunds–Features,Rules,Regul
ati
ons,
El
igi
bil
i
ty,TaxBenefi
ts,AccountOpeningprocess,AccountClosur
e,Extensi
onand
Comparisonwi
thot
herinv
estments

Lif
e and Gener
alInsurance Axi
s Rel
ated Pr
oduct
s cov
ered,conceptofpremium,
renewal
,documents,howt or
eadapoli
cy, Gol
dMoneti
zat
ionScheme, Sov
erei
gnGold
Bonds,GoldLoans

Apoll
oHeal
th&LI
C.Tat
aAI GMedipr
ime,TataAI
Gpr
ivat
ecarinsur
ance,
TataAIGHome
secur
eandTat
aAIGOverseasTr
avelI
nsurance,
Maxli
feInsur
anceandLICIPr
oduct
s

UNI
T6:Speci
alFeat
uresofRet
ailCr
edi
t

Retai
l Cr
edit – Volume Dr iven ,St r
ong credi
t assessment capabi
li
ty,sound
documentat
ion,st
rongprocessingcapabi
li
ty,r
egul
arandconstantf
ollow –up,ski
ll
ed
humanresource,t
echnol
ogicalsuppor
t

UNI
T7:Cr
ossSel
li
ngofPr
oduct
s
Credi tCards:-asf i
nanci
al t
ool,Basicfeatur
es, Targetcust omer s(Purpose&el igibil
i
ty),
Procedure/pr ocess-issueofcar d,document srequired,Vari
ouspar ti
esincr edit
car ds(holder,ME{ POS}&Set tl
ementBank) ,int erestrate,Flowoff i
nanciali
nfor mation,
set t
lementpr ocedur
e,usageofcar dindi f
ferentchannel s,commoncompl aints,
loss/ theft
/misuseofcar d,prot
ecti
ont ocustomer ,drawingl i
mit,bi
l
li
ng, ef
fectofnon-
pay ment,fundsf l
owandf loats,
whobear st hecostoff loatfunds;AXISCr editcard
vari
ants;TravelCar
ds–Pr epaid,Smar tCar ds, Travell
erCard,Gol dCardEt c.

UNI
T8:Mar
ket
ingofBanki
ngPr
oduct
sthr
oughCBSandDi
git
alMar
ket
ing

Soci
almediaMar keti
ng–FaceBook,Twi t
ter,YoutubeandI
nstagram –Tr
adi
ti
onal
market
ingVsDigitalMarket
ingofBanki
ngproduct
s–NPCIProducts–AxisMobi
le–
Axi
sRelatedDi
git
al Banki
ngProduct
s

UNI
T9–Oper
ati
onalRi
sk&Compl
iance

Compliance-Makercheckersy st
em,pr ev
enti
vevi
gil
ance,Inspect
ionaudi
t,Busi
ness
conti
nuit
yplan,RCSA/KRI,Credi
tRatingAgenci
es–Cr edi
tRatingModelsf
oll
owedby
theRoleand–pr i
cingofbanks-TypesandFraudPr
eventi
on.

UNI
T10–Rur
alMar
ket
ingEnv
ironment

Chal
l
engesofRur
alMar
ket
ing,
Str
ategi
esf
orr
ural
mar
ket
ing,
Typesofr
ural
product
s.

UNI
T11–Pr
ocessesRel
ati
ngt
oOpeni
ngofSA/
CA/Ter
m Deposi
ts

AxisBankRelated–Rol eofCLH – AccountOpeni ngForms– Pr ocessrelati

ngto
openingofSA/CA/Ter m Deposi
ts- Tracki
ng-Organizat
ionSt
ruct
uref orenabli
ngof
accountopeni
ng–pr atham sof
tware–CPU–Br anchHUB–OmniScansof tware–
WelcomeKits–Oper ati
onsinAccounts–Modi f
icat
ions–KYC–Compl i
anceandTDS
–ListofCLHprocesses–checkl ist
-EndtoEndprocessofAOF–Br anchLegandCLH
Leg

RecommendedBooks:

1.Ret
ail
Banki
ng:
IIBF–Modul
eC&D–Macmi
l
lanPubl
i
sher
sIndi
a

2.Pr
inci
ples&Pr
act
icesofBanki
ng–I
IBF–Modul
eD–Macmi
l
lanPubl
i
sherI
ndi
a.