Key Responsibilities:

1. Relationship Management & Client Engagement

- Manage an assigned portfolio of Business Banking clients through virtual channels (phone, email, video conferencing, digital platforms).

- Build and maintain strong, long-term relationships with clients to enhance customer satisfaction and loyalty.

- Understand client business needs and provide tailored financial solutions, ensuring alignment with the bank's product suite.

- Proactively contact clients to discuss account performance, new opportunities, and potential risks.

2. Sales & Business Development

- Achieve assigned business targets for deposits, trade finance, lending, and cross-sell products.

- Identify opportunities for upselling and cross-selling banking products such as current accounts, loans, payment solutions, and digital services.

- Collaborate with internal stakeholders (Credit, Operations, Product, Compliance) to ensure smooth execution of client transactions.

- For SVRM: Support strategic sales campaigns, mentor junior VRMs on sales techniques, and manage key high-value clients.

3. Portfolio Management & Risk Control

- Monitor portfolio performance to ensure healthy credit and deposit growth.

- Identify early warning signals of potential risks or delinquency and take proactive actions.

- Ensure adherence to KYC/AML, regulatory, and compliance requirements for all client transactions.

- Maintain accurate and updated client data in CRM systems.

4. Customer Service Excellence

- Deliver superior customer service by responding promptly to client queries, complaints, and requests.

- Drive customer satisfaction and retention through proactive engagement and high-quality interactions.

- Promote the use of digital banking channels for enhanced customer convenience and operational efficiency.

5. Collaboration & Team Support

- Work closely with Area Managers, Product Teams, and Credit Analysts to deliver comprehensive banking solutions.

- For SVRM: Act as a mentor and escalation point for VRMs, providing coaching and guidance to enhance team performance.

- Participate in regular reviews, strategy meetings, and performance discussions.

Qualifications, Skills, and Experience:

- Bachelor's degree in Business Administration, Finance, Economics, or related field (Master's preferred).

- SVRM: 6-8 years of experience in Business/SME Banking or Relationship Management.

- VRM: 3-5 years of experience in Business/SME Banking or customer relationship roles.

- Strong understanding of business banking products, SME market dynamics, and financial analysis.

- Proven track record of meeting or exceeding sales and service targets.

- Excellent communication, negotiation, and interpersonal skills.

- Ability to manage client relationships effectively in a virtual or remote environment.

- Proficiency in CRM systems and MS Office applications.

- Strong understanding of banking compliance and risk management.