curious case of sales call

Updates – Read the complete story here

How’s your experience mate?

Yesterday I randomly asked one of my friend in India about his experience with ICICI bank, and he repeated what i broadly feel about them – it’s been best so far compared to all the banks he banked with’ for customer care he said that its good however their promotional and sales calls are very irritating. Now this was an interesting comment he made about sales calls, which also made me write this post …

New Account and a New Problem…

I recently opened Non Resident External (NRE) account with ICICI bank. Its just been a month and I faced one major problem. For the past 7-10 days I have been interacting with various people from ICICI bank over phone (making international calls) or having tough time explaining issue to different customer care reps over e mails. I will not go deep into the issue, as I still feel that team is making sincere effort to help out, however am waiting to see how long will they take…

Interesting….

Yesterday my mom called me up and told me that somebody from ICICI called up, took your Australia number and they might give you a call. I was wondering if they are trying to reach me out for the issue I am facing with NRE account, I also wondered why will they call up my home in India when I have already given them my Australia contact details. This lady calls me up at around late evening Australia time, being busy with another call that time I asked her to give me a call in 10-15 mins. She did called up again after couple of hours and that was late during night at around 11 pm, am sure she was not aware of my time zone. I was like no issues… at least she might be calling to help me out…

Sir, Why are you not using your Trading account?

However to my surprise (or not so surprised now) she was asking me why am I not using my online share trading account for quiet some time now …what the hell!! Now I did informed her about the time and told her that I am not using my trading account for the reason that I am not in country … I thought of giving her my peace of my mind asking her about other issues I am facing with NRE account, but then realized no point telling her all this as she might not be aware of the fact that I hold NRE account with them too. (and that too interestingly when all accounts are opened at same branch!!!). She was simply doing her job and trying to meet her target of making calls …

Sir, read our research reports and gain more …

Then she went on telling and selling me about ICICI stock research reports and asking me to invest in market as Indian stock market is looking bullish and I should read daily morning reports and weekly calls and invest accordingly to get good returns. I did ask her if she is giving me guarantee of those returns or not (I know its not possible, was just checking how she responds and unnecessarily grilling her..) however it was very late at my end so I asked her to send me all that info on mail and I will see what to do with that. Thank God they had my valid mail id !!

ICICI, Any answers??

1. If sales rep can take so much of effort to call my India home, take my International number and give me a sales call, what’s stopping rep from After sales team to give me a call to understand the issue I am facing, rather they are just playing mail mail …
2. If sales rep can make an effort to get my number, they can also make an effort to do some more research to know that this is Australia number and what should be right time to call up … Put some effort to delight customers mate …
3. In terms of Technology, ICICI is really great in India, however Sid with trading account is still different from Sid with NRE account! I would have felt much better if customer rep should have first updated me on the status of issue I am facing with NRE account and then went on asking me about my trading account. How wonderful it would have been !!
4. And please somebody check why are you so promising on phone that reading ICICI research reports and then investing in market would give good returns … Indian market is looking bullish, this is the right time to invest… things like that ..are you going to take guarantee? I don’t think this is good example of selling ….

Finally…

I have been banking with ICICI bank for quiet some time now. Thanks to their sales force they follow you every where. Be it student account while I was in college, salary account with all my employers till date or Online stock trading account and latest entry being newly opened Non Resident External (NRE) savings account. In my relationship so far I have had my share of good and bad experiences. Overall its been a decent experience compared to all the banks I have dealt with so far in India. They are simply ahead of every other bank in terms of services and technology they provide.

However…

The kind of effort you put to sell the product and start the relationship, please also put similar effort to sustain the relationship and show similar level of enthusiasm for AFTER sales effort.

One rep went ahead to take my number from my mom to give me a sales call in Australia at 11 pm in night… am waiting to see how much time and effort will you make to resolve the problem with my NRE account…

How’s your experience with bank so far? Do share if you have some interesting story or experience.