Relationship Manager - Working Capital - Banking

KEY RESPONSIBILITIES : 

Business Development:

Acquiring new customers through sale of products such as working capital facilities ( import & export finance), Contractor's funding, Short term loans, long term capital expenditure funding, Project finance of Large Road Projects, current and savings accounts, fixed deposits, non-funded credit facilities like letters of credit and bank guarantees, cash management services, foreign exchange services and digital banking products. Also to acquire new customers for construction equipment funding.

- Acquiring customers with > 40 crs TO through various open market and bank channels for construction equipment funding .

- Visiting Branch managers and RMs/PBs and scoping for the business and convert the lead generated by Branch channel.

- Achieving business targets on volumes and profitability for specific ECG-IFG customers

- Identification of possible wallet share of each product and scoping of all accounts - existing and potential NTB customers

- Monitoring the customer's work orders and BG issued by us for more asset business opportunity and liability business.

- Regular calling on clients, both existing and prospective; calling to be done in a structured manner either individually or with support groups, branches or supervisors

- Updation of calls in CRM systems to obtain guidance from supervisors, for monitoring of accounts and for assigning tasks & leads to support departments

- Adhering to and implementation of guidance received from senior management

- Appraisal and recommendation of credit limits

- Improving Bank's yield to bring about a high return on capital on the portfolio

- Tracking of performance at regular intervals to monitor variance with budgets; creation and implementation of plans to meet income shortfalls for the portfolio

Cross sell of products : 

- To be the face of the Bank for all products that a customer might require

- Cross sell of all products of the Bank

- Promotion of digital platforms of the Bank like Enet/NetBanking, Trade-on Net, SME digital, Mobile Banking

Customer Relationship Management : 

- Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer

- Interaction with promoters and senior management of corporates to build a strong and lasting relationship

- Ensuring high levels of client satisfaction through every interaction with the client

- Management of stressed and critical accounts and remedial management - includes managing exits, line reductions, recovery and restructuring of exposures

- Implementation of Know-Your-Customer and Anti-money Laundering policies of the Bank

- Communication of all pain areas of the customer to support functions for resolution through process improvement and improvement of turn-around-times