POSITION DESCRIPTION

JOB TITLE

Business Development Relationship Manager

GRADE : M

DEPARTMENT

Branch Banking

LOCATION : Branch

SUB-DEPARTMENT

Sales

TYPE OF POSITION : Full-time

REPORTS TO

Branch Manager-Branch Banking

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

The incumbent will be primarily responsible to -

Acquire new Priority/HNI customers for liabilities from open market
Plan and execute activities with the objective of acquiring Priority/HNI customers
Digital Adoption- Ensure that all onboarded customers are using our digital banking channels
Ensure that Cross-sell targets assigned are met for Third Party Products such as Life Insurance, General Insurance, Health Insurance, Mutual Funds, SIP etc.
Ensure that other targets assigned such as Forex, Cards are met through NTB customers.
Ensure that Asset cross-sell is done basis target assigned (if applicable in respective branches)
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Current Account Numbers- 1
Savings Account Numbers- 6
Current Account Values- 1.5 Lakhs
Savings Account Values- 18 Lakhs
TD Values- 15 Lakhs
TPP- 1 Lakh Premium in Insurance

(Subject to changes basis Management decision)

Current Account Products- Esp Maxima & HNI Products
Savings Account Products: - Esp Maxima & HNI Products
Fixed Deposits
Life Insurance
Health Insurance
General Insurance
Mutual Funds & SIPs
KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Meet set targets on liabilities in terms of Priority/HNI open market acquisition & customer conversion via activities
Understand need and acquire Priority/HNI customers who meet the criteria for liability products through either of the below channels:

Leads generated by branch staff and personal leads
Activities
Alternate channels

Maintain the database of the prospects, meet select prospects and manage the relationship thereafter till specified tenure
Digital Adoption- Ensure that all onboarded customers are using our digital banking channels
Ensure that Cross-sell targets assigned are met for Third Party Products such as Life Insurance, General Insurance, Health Insurance, Mutual Funds, SIP etc
Ensure that other targets assigned such as Forex, Cards are met through NTB customers.
Ensure that Asset cross-sell is done basis target assigned (if applicable in respective branches)
Share customer insights/product related feedback with the Sales Manager - Liabilities

Customers

Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
Reduce customer dormancy and customer attrition by continuous engagement / interaction
Resolve customer queries on all products offered by the bank.

Internal Processes

Guide the customer to fill the Account Opening Form; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
Strictly adhere & maintain compliance to KYC norms
Drive the usage of alternate channels such as Internet Banking, Mobile Banking, Rewards Program, ATM etc.
Adhere to all laid out Rules, Regulations and Internal procedural guidelines with utmost integrity.

Learning & Performance

Maintain up-to-date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch
Ensure adherence to training man-days/ mandatory training programs for self

Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate, preferably in commerce and related streams

Experience

3-5 year experience, preferably in sales

Certifications

AMFI & IRDA Certified

Functional Skills

Basic knowledge on retail banking products
Documentation skills
Process compliance focus
Communication skills: fluent in the local language
Basic knowledge on Competition's offerings

Behavioral Skills

Courteous customer service skills
Time Management
Selling skills
Telephonic cold calling skills
Willingness to travel & relocation as per business requirements and career opportunities

Competencies

Planning & Organizing
Driving Execution
Managing Relationships
Customer Focus
KEY INTERACTIONS

INTERNAL

EXTERNAL

Branch Team – Unsecured Loans Officials; Secured Loans Officials; Operations team
Regional Product & Marketing team
State HR
Customers

PREPARED BY: Sanat

DATE: 21-06-2025

Date

REVIEWED BY:

LAST UPDATED BY: TM Team

DATE: 30-06-2025

Business Development Relationship Manager (UB-BB-SB-BDRM)