Overall Goal :  Is responsible for :  - Acquisition of new Preferred customers  - Enhancement of the relationship by cross-selling products and services as per the profile & need of the customers  - Deepening the size of the relationship  - Retention of the customers by providing the best possible services and being the dedicated point of contact for these customers  So that :  - HDFC Bank is the primary banker for these Preferred relationships  - Maximum share of wallet of these customers is with HDFC Bank  Key Result / Responsibility Areas :  Sales :(Acquiring, Enhancing, Deepening and Retention)  - Acquire new customers who meet product criteria and flag them on the system   - Referrals generated from existing customers   - Leads generated by branch staff & personal leads  - Databases  - Premier Acquisition Channel  - Increase liabilities size of relationship via:  - Balances in a/c's of existing customer  - Acquire all related ids of the Primary id and send racing request on Web-based system/entry form to CPU for flagging and grouping   - Use FD maturity reports to track maturity of HDFC FDs and prevent outflow  - Use wallet profile to track FDs in other banks and divert them into HDFC on maturity  - Use wallet profile sheet to track accounts and products with other bank and transfer the same  - Know the customer's business to proactively provide financial solutions  - Utilizing the sales resources (BDR or COEX or Asset Coordinator) for optimal sales support  - Penetration of products across family groups.  - Sales across all product segments-TPP, Assets, Cards etc.  Portfolio Management :  - Identify existing/new customers who meet Preferred product criteria and flag them on the system and upgrade these customers under the Preferred programme in line with the Preferred grouping criteria  - Liaising with PB to flag eligible customers from Classic portfolio  - Identifying customers through Large Transaction reports (LTR)  - GMs or VPs of all Cat A companies and CSRM salary account companies which meet programme criteria and have future potential  - Ensure that individual customers are grouped and Customer To Group (CTG) Ratio is maintained on the portfolio  - By grouping them with their family members who already hold accounts with us  - By grouping them with their family members post selling liability products to the family members, if they do not have banking relationship with us  - Ensure that optimal levels of Income generating Product Group Holding (IPGH) is reached  - Ensure that within each customer group a minimum number of stipulated Income Generating products are sold  - Ensure that the Customer Group profitability is achieved  - Manage Band 1 and 2 customers and ensure that they are moved to Band 3 and above  - Ensure that atleast one income product is sold to each Preferred group in the year  - Regular contact is maintained with all portfolio customers such that 125 customers are contacted every month and entire portfolio is contacted atleast once every quarter  - Customer interactions are duly updated on CCM/CRM Next  - Profile changes (if any) are duly updated in CRA/CRM Next  - Enhancing customer wallet size  - Ensuring that customers make us their primary bank  - Knowing about where all the customer is currently banking and moving him to our Bank  - Ensuring that customer scope is done and products targeted accordingly  - Sales to family members and associates which have been grouped together  - Attrition control of customers  - Includes persuading the customer to continue and if required renew FD- s  - Deepen by cross selling - sticky products- like Demat, Bill Pay, Advisory.   - Ensure quality of relationship while racing. Should be capable of maintaining eligibility  - Regular customer contact to establish needs of the customer and opportunities to cross-sell  - Monitor large amount movements and account closure from the deposit accounts and ensure that customer does not attrite  - Ensure that the marketing analytics list on possible attrite, is called and retained  Customer Services :  - Ensure quality customer service is delivered  - Disseminating required product information  - Recording complaints as per the specified process  - Resolving all complaints received from preferred customers within the stipulated TAT- s  - Ensure appropriate customer communication on closures & copy of that to be filed.   - Preventive complaint management  - Asking for feedback from customers, who may not be complaining  - Promoting all direct banking channels and ensuring that the customer is utilizing the same  - Check back on recent customer's registered to DBC channel and give any specific help required  Achievement of income plans and other benchmarks :  - Ensure that income plans for the month and year are duly met across products  - Achieving of portfolio level benchmarks of CTG and IPH   - Income product to be sold to each group of the portfolio in the year  - Ensure that the benchmark sales per day is met  Operations :  - Ensure certification of documentation required for opening and maintaining customer accounts  - Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc)  - Ensure that 5-S norms are adhered to for individuals workstation  Competencies :  - Sales and Influencing Skills  - Banking Product & Process Knowledge  - Planning and Organizing Skills  - Communication Skills  - Knowledge of Competition & Current trends in financial Industry.  Certification :  - AMFI Certification  - NCFM Certification (Optional)  - CAIIB (Optional)  - Internal Certification

Mumbai

HDFC Bank - Relationship Manager - Retail Banking 

HDFC Bank - Relationship Manager - Retail Banking  ,Job Description for HDFC Bank - Relationship Manager - Retail Banking  in HDFC Bank in  Mumbai for (3-10) years of experience. Apply Now!

Job Description for HDFC Bank - Relationship Manager - Retail Banking  in HDFC Bank in  Mumbai for (3-10) years of experience. Apply Now!