Welcome back to The Branch Floor. I'm Priya, and today Arjun and I are running an interactive session — yes, *you* will be working too. Grab a notepad.
Picture two RMs in the same branch. RM #1 hears 'home loan' and immediately quotes the rate. RM #2 hears 'home loan' and asks, 'Sir, is this your first property or an investment?' Same lead. One closes in 3 weeks. The other never hears back.
That gap — between *order taking* and *consultative selling* — is what this entire episode is about. And we're doing it the RBI-compliant way. No mis-selling shortcuts.
- →Think of your last 3 customer interactions. Were you taking an order, or diagnosing a need?
- →When did you last ask a customer 'why' twice in the same conversation?
Order takers quote products. Consultants diagnose situations. The bank pays you for the second.