HR at HDFC Bank
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HDFC Bank - Relationship Manager - Emerging Corporate Group (2-8 yrs)
Roles & Responsibilities :
- To Achieve over all business targets on volumes and profitability for the specific ECG customers.
- Wallet share identification and scoping of all accounts - existing and potential NTB customers
- Scope for possible product penetration and provide strategy on the specific accounts.
- RMs should be on regular client calls for both existing and prospective clients. These calls should be done in a structured manner either individually or with support groups, branches or supervisors.
- Call should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.
- Monthly review to be done with various product groups and supervisors who support the RM portfolio (plan Vs achievement ) and other cross function teams to ensure better product penetration.
- Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer.
- Ensure that all the management guidance is properly adhered to for effective management guidance implementation.
- KYC / AML tracking of the customers handled by the RM
- All documentation formalities to be done for effective pre and post disbursement of facilities or banking products.
- Tracking of defferals and updation of all information as per RBI and credit regulations on the specific accounts. Management of deferrals/ pre and post documentation formalities.
- Cross sell of all products of the Bank and be the front face of the bank for all products.
- To keep a check on the performance of accounts and overall portfolio.
- Credit appraisal process to be done timely - Recommendation of Credit Limits
- Portfolio review and remedial management - includes managing exits, line reductions, recovery and restructuring of exposures. Management of stress and critical accounts.
- Improvement on yield for the Bank so that the Portfolio has a strong Return on capital - RM portfolio level.
- Team management - working as a team and do act as support to other team members when required. In line with Banks initiatives of growth.
- Communicate all pain areas of the customer so that support functions help in resolving the same through process improvement / TAT for higher product share.
- Keep a track on Performance, variance with budgets and plans to meet shortfall for his / her own portfolio.
- .Interaction with promoters and senior management of ECG relationships to build a strong relationship with the clients.
- To make sure high level of client satisfaction.
- Interacting with various departments of the Bank and providing them with insight on ECG business and to get inputs on their business for cross sell at the region level.
Requirements :
- Can be a mix of freshers from MBA / CA institutes or with minimum experience of 2 plus years
- CA or MBA from a reputed institute.
- Dynamic personality and flair for relationship management. Go getter.
- Aggressive approach, planning capabilities, Team Management skills/ process focused/ team person / relationship skills/analytical abilities.
- Energetic, Presentable and very good communication skills.
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