HDFC Bank - Relationship Manager - Business Banking & Working Capital

The role primarily involves :

- Managing a portfolio of between 20-35 BBG credit relationships - mostly SME Corporates. The number of relationships managed depends on the geography covered and branches mapped to the RM.

- HNW relationship management of the BBG customers

- Addition of new credit relationships

The HNW relationship management of the BBG relationship includes,

- Cross sell of CASA to the group companies of the BBG customers, and to the promoter family members.

- Growth of the CASA balances of the group

- Day-to-day servicing of all the group accounts at the branch

- Cross sell of other asset products, investment products and non-income products to the HNW group being managed by the RM.

Activities :

- Regular Branch interaction for lead generation for BBG and subsequent lead conversion

- Cam Preparation & query resolution

- Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement, including deferral closure

- Customer negotiation on rates and other issues relating to charges.

- Co-ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Buyers credit, TOD's.

- Co-ordination with local Ops for disbursement of a case, TOD limit setting, submission of Stock Statement.

- Housekeeping including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visit, Site visit etc

- Stressed accounts / Exit account management, follow-up and regularization of TODs

- Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities

- Cross sell of various asset products, other liability accounts, TPP products to the existing Relationships and its group accounts raised as HNW