Job Purpose:

- Business development and acquisition - Sale of Liability, Asset , transactional banking products and escrow structures that will generate net-interest income and commission income.

- Relationship management of existing clients or equivalent size of an Escrow portfolio as per productivity criteria

- Cross sell of bank products, other than core income products

Job Responsibilities(JR):

- Actionable

- Business Development & Portfolio Management

- Achieving business targets on volumes & income as set by the management with a strong focus on liability business

- Responsible for achieving the Liability , Asset & transactional business volume plans, by acquisition of new customers and by increasing our share of wallet for existing customers .

- 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.

- To keep a check on the performance of accounts and overall portfolio.

- 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.

- Client Calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.

- Increased Product Penetration & Cross sell

- Wallet sizing and scoping of product of banking products for existing and NTB clients . Products include CASA , FDs, Fund based & Non Fund Based credit facilities and transactional banking products like collection , payments, FX , Taxes etc .

- Scope for possible product penetration and provide strategy on the specific accounts.

- Cross sell of all products of the Bank and be the front face of the bank for all products. Products include bank's retail and digital banking products such as Salary, Key official , POS, PG , Enet/NetBanking, Trade-on Net and other revenue earning products

Operations & Processes:

- Credit Management, Compliance & Housekeeping: Includes timely preparation of CAMs, SRMs, timely renewals, call memos, quarterly results, etc

- 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 deferrals and updating all information as per RBI and credit regulations on the specific accounts. Management of deferrals/ pre and post documentation

- Credit appraisal process to be done timely - Recommendation of Credit Limits

- Client Retention , Management & Servicing

- Managing/ retention of existing client relationships and ensuring a high levels of client satisfaction

- Effective management and resolution of customer queries/ complaints

- Interaction with key officials / senior management of corporates to build a strong and lasting relationship

- Process improvement and improvement of TATs

- 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.

- Relationship building with both internal and external customer of the RM.

- Communicate all pain areas of the customer so that support functions help in resolving the same through process improvement / TAT for higher product share.

- Intra Bank Coordination & Communication

- Team management - working as a team and do act as support to other team members when required. In line with Banks initiatives of growth.

- 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.

Educational Qualifications:

Key Skills:

Graduation:

Post-Graduation:

Certifications: MBA from a reputed institute

CA

- Confident with superior communication skills

- Relationship management and customer oriented approach

- Sales & negotiation skills

- Ability to identify business opportunities and target prospective clients

- Analytical and credit appraisal skills preferred

- Team player with a positive outlook

- Strong business ethics

- Banking Product & Process Knowledge

Experience Required:

- Minimum experience of 2-3 years in a similar role

- Exposure to Banking / Financial Services preferable

- Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)

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