Job Role :
- Handling the existing book and acquiring new to bank clients. Responsible for generation of revenue through Trade, FX and asset & Liabilities product of the Bank
- Focus on business development through quality sourcing for assets & liabilities & revenue generation through asset NII, fee income and trade &forex revenue from existing & acquired portfolio.
- Selling credit lines to potential clients in the form of LCs, Bank Guarantee, Buyer's Credit, Bill discounting, Pre / Post shipment finance, OD, CC & Term Loans.
- Understanding the working capital requirement of client, their business & financial analysis, credit & risk assessment, CAM preparation, field investigation and liaising with credit & asset-ops team for entire disbursement process.
- Liaising with Treasury & trade operations team on a daily basis for rate booking & execution of Import-export & remittance related transactions.
Key Responsibilities :
Acquisition :
- Assist HRM in executing successful micro-events for acquisition of new clients
- Acquire new accounts from group companies / family of existing customers
- Acquire new accounts from referrals from existing customers
- Focus on acquiring Trade Accounts, increase trade volumes and generate Forex revenue
Relationship Building / Deepening / Cross Sell :
- Primarily responsible in building and deepening mapped business banking portfolio
- Ensure consistent growth of the Business Banking portfolio
- Synergize for maximum penetration of business banking products, trade, forex and I&I sales to new / existing customers
- Build a robust momentum in regards to the third party distribution (insurance, auto loans, mortgages) and fee income to scale up the client portfolio growth, in line with the set targets
- Implement customer contact programs to ensure his share of wallet with the bank increases
Retention :
- Ensure top class service delivery to clients to be in line with the best in the industry
- Monitor high net worth accounts closely to ensure that customers continue regular use the account and grow balances
- Work towards reactivating accounts which have stopped transacting or depleted in balances
- Assist in resolving service hurdles to create a delight situation for customers
Risk Management & Governance :
- Ensure awareness and adherence with the Know Your Customer policy, Anti Money Laundering Policy, Mis-selling Policy, Information Protection Policy, Operational Risk, Code of Conduct and other laid down compliance norms of the bank as stipulated from time to time
- Provide regular feedback on the changing customer needs to the Product team and Service Quality team
- Any suspicious transaction to be immediately reported to the Area Manager
- Promotion of Alternate Channels and Doorstep Banking
- Increase customer contactability by capturing email address and mobile number
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