My wife unfortunately leaves a lot of money in her savings bank account…so she gets her RM calling her with the usual…’can I do something …’ type of calls. She has been irritated, bored, (scared too) to talk to her RM. So she did a smart thing – she went online and changed her telephone number – all the calls now come to me .
We actually need the RM to activate her broking account – it is easier than transacting on the phone – and give delivery by physically going to the bank.
So when the bank RM called me I said ‘Thanks, can you please re-activate my BROKING account’. He clarified saying “Sir I am from the bank’ – to me it sounded like ‘Jerk do you not know the difference between a bank and a broking company?’. I said, I know, but can you send somebody from….the brokerage arm’. He reluctantly said yes.
However, I realised from his tone that nothing will happen. Well nothing happened.
He called again. Same story repeated. No action again.
One day I was talking to the HR of the same bank. I asked the HR person about the Targets and Incentive structure for the RMs. They have targets of revenue for the BANK. They had targets for BROKERAGE ACCOUNTS OPENED…but, alas, no incentive for activating or re-activating brokerage accounts. They have no revenue targets from the brokerage accounts too – so if my wife gave the broking arm say revenues of Rs. 50k a year, it did not matter to the RM – he got nothing from that you see.
The best part of the story is I told this to 3 bankers – all of them asked me ‘Is it our bank’. It was one of them, but I did not tell them which bank.
Then one BROKERAGE firm called me for training – SALES TRAINING – and I did sales training for their SENIOR MARKETING AND SALES people. About 30 of them attended a 2 day training. I told them I had an inactive account. The zonal head, regional head and the local head ALL promised to ‘re-activate’ MY ACCOUNT (I and my wife have broking accounts with different bank brokers). Training over, no response.
Thank God I do not do trainings promising the client ‘If I do training, your sales will go up’. Sorry it will not.
The sales guys have to go out and actually WORK. Training is useful only if they go out and DO.
No I am not naming the banks – A, B, C or H, I, J, K – does it really matter? LOL….
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