Relationship Management - Infra Finance/Working Capital - Private Sector Bank

Hiring for RM - #InfraFinance - #WorkingCapital with a top private sector bank.

Job Responsibilities:

- Actionable

- Asset Growth

- Identifying potential and scoping the clients for Asset growth (Budgeting)

- Ensure YoY Asset growth in line with verticals targets

- Responsible for managing the accounts/ clients for desired asset growth as per plan for the year

- Increasing Asset Product Mix for the client - CC/OD/WCDL/TL/DRUL etc

- Increasing the asset book by acquiring new customers (NTB)

- Portfolio monitoring and review (ALM/ Tableau/ Business MIS)

Core Income:

- Planning the income targets at start of the financial year

- Ensure YoY Income growth in line with verticals targets

- Portfolio monitoring to meet the MoM revenue plans. Tracking of performance at regular intervals to monitor income variance with budgets; formulating and implementation of plans to meet income targets for the portfolio

- Monitor and deliver on Incremental/ Portfolio Yield as per Plan

- Revenue maximization through offering of right mix of Products as per customer's needs.

- To ensure Fee and other income growth including NFB income lines mix and growth (BG/ LC)

Liability:

- To meet Liability growth in line with Assets growth to meet the Self-Funding Plan for the year

- To be the face of the Bank for all products and services that a customer needs viz CA/ SA/ FD/ Customers Salary Account etc

- To engage continuously with Bank Branch Channel to ensure delivery of product/ services

Key Objectives:

- To plan and meet Key Objectives set for the year by senior management which need special focus by team.

- To promote KOs like Cross sell of Bank products , driving branch business etc

- To ensure PSL/Agri targets of the portfolio is achieved

- Engaging customers for Promotion of digital drives of the Bank like Enet/NetBanking, TON, SME digital, Mobile Banking, PayZapp, Insta Alert, Smart Buy, etc from time to time.

Qualitative objectives:

- Relationship building with both internal and external customers

- Ensuring and tracking required client calls for both existing and prospective clients on CRM.

- Preparation of CAM, engaging with Credit for approval, and engaging with Operations for disbursement and ensuring defined TAT's

- Initiatives, process innovation beyond normal work

- Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEM's.

- To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding

- To track Market and Competition

- Product Holding per client

- Housekeeping

- To keep proper track on Housekeeping for the Healthy portfolio

- PDD, Deferrals, to be ensured within defined levels

- ORMC deferrals to be nil

- Management of stress and critical accounts, timely exits and resolving the NPA/ Write-off cases

- Managing Call Memo, CAM renewals, minimum SRM

- Ensure that business is conducted as per Banks and RBI guidelines