Relationship Manager - Bank

JOB ROLE :

Market and manage the relationships of existing customers and prospect names on a consultative approach by understanding the customer's business with the aim of enhancing revenues, identifying opportunities and providing value added solutions.

KEY RESPONSIBILITIES :

- Prospecting new customers to the bank

- Maintain average multi product ratio and multi market ratio as per required standards

- Achieve assigned Employee Banking referral target

- Achieve assigned PSL target

- Maintain account plan, pricing calculator, call reports, deal pipeline and MIS at customer level and portfolio level

- Work closely with other team for referral opportunities and revenue growth

- Continuously upgrade and innovate sales techniques to maximize productivity.

- Prepare call plans prior to customer visits to establish objectives and explore customer needs with the aim of matching products with the Customer Value Proposition.

- Primary accountability for credit risk of portfolio and house keeping issues like deferrals, stock and book debt submissions, stock and property insurance, etc..

- Identify and generate prospect opportunities.

- Coordinating and fulfilling all documentation requirements

- Disbursal of approved limits Grow Average Trade Assets & Contingents by minimum 20%

- Grow Average CASA & OPAC by minimum 15%

- Endeavour for NIL debt provision

- Ensure maximization of RORWA % Cross sell products of our bank i.e. Cash management, Salary accounts, Insurance products, FX, CA, TD and Investment Products and increase the share the wallet for allocated accounts

Others

- All account plans to be completed in Workbench within timelines

- All deals to be entered in WorkBench in a timely manner

- All call reports to be entered in WorkBench in a timely manner

- No overdue BCA without RDE. RDEs should be - 5% of total BCAs in portfolio

- Mandatory trainings to be completed within timelines for the entire team

- The job holder must ensure he/she is fully aware of all the policies and procedures issued in relation to money laundering prevention / CDD and is trained on the same. He/she must ensure compliance with these policies and procedures on an ongoing basis. Any suspicious transaction must immediately be reported to the supervising officer.

- To ensure adherence on an ongoing basis to all requirements of CDD / ML as may be issued from time to time and adherence would be measured with respect to outcome of Group audits and any Quality Assurance Reviews conducted.

- To ensure that there is No overdue KCSA

KNOWLEDGE/SKILLS/EXPERIENCE

- In-depth knowledge of products, services and delivery channels available for Commercial Clients

- Informed in market competition, industry practices and regulations for business banking

- Strong analytical, problem solving, networking and financial management skills.

Salary offered: 15 - 21 LPA