Job Purpose

To achieve over all business targets on volumes and profitability for the specific and NTB customers for Infrastructure Finance Group.
Ensure Portfolio Growth and Management in line with business segment's objectives

Job Responsibilities

Asset Growth

Identifying potential and scoping the clients for Asset growth (Budgeting)
Ensure YoY Asset growth in line with verticals targets
Responsible for managing the accounts/ clients for desired asset growth as per plan for the year
Increasing Asset Product Mix for the client – CC/OD/WCDL/TL/DRUL etc
Increasing the asset book by acquiring new customers (NTB)
Portfolio monitoring and review (ALM/ Tableau/ Business MIS)

Core Income

Planning the income targets at start of the financial year
Ensure YoY Income growth in line with verticals targets
Portfolio monitoring to meet the MoM revenue plans. Tracking of performance at regular intervals to monitor income variance with budgets; formulating and implementation of plans to meet income targets for the portfolio
Monitor and deliver on Incremental/ Portfolio Yield as per Plan
Revenue maximization through offering of right mix of Products as per customer's needs.
To ensure Fee and other income growth including NFB income lines mix and growth

Liability

To meet Liability growth in line with Assets growth to meet the Self-Funding Plan for the year
To be the face of the Bank for all products and services that a customer needs viz CA/ SA/ FD/ Customers Salary Account etc
To engage continuously with Bank Branch Channel to ensure delivery of product/ services

Key Objectives

To plan and meet Key Objectives set for the year by senior management which need special focus by team.
To promote KOs like Cross sell of Bank products , driving branch business etc
To ensure PSL/Agri targets of the portfolio is achieved
Engaging customers for Promotion of digital drives of the Bank like Enet/NetBanking, TON, SME digital, Mobile Banking,Insta Alert, etc from time to time.

Qualitative objectives

Relationship building with both internal and external customers
Ensuring and tracking required client calls for both existing and prospective clients on CRM.
Preparation of CAM, engaging with Credit for approval, and engaging with Operations for disbursement and ensuring defined TAT's
Initiatives, process innovation beyond normal work
Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEM's.
To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding
To track Market and Competition
Product Holding per client

Housekeeping

To keep proper track on Housekeeping for the Healthy portfolio
PDD, Deferrals, to be ensured within defined levels
ORMC deferrals to be nil
Management of stress and critical accounts, timely exits and resolving the NPA/ Write-off cases
Managing Call Memo, CAM renewals, minimum SRM
Ensure that business is conducted as per Banks and RBI guidelines

Relationship Manager - Business Banking