Emerging Enterprises Group Relationship Manager Working Capital

Job Purpose:

To execute initiatives aligned with key business objectives, driving the bank's goal of business leadership through effective portfolio management and client servicing.

Key Responsibilities:

Branch Management:

• Plan weekly branch visits, detailing coverage and ensuring maximum outreach.
• Conduct monthly meetings with branches to review performance and discuss lead generation strategies.
• Engage with RM/PB customers for joint calls, leveraging branch resources for lead generation.
• Activate RM/PB activities and track resource performance with Territory Head.
• Foster excitement and motivation within branches through spot sanctions, contests, and recognition programs.
• Ensure timely CRM updates for lead tracking and follow-up.

Lead Generation & Logins:

• Plan to achieve 2 calls per day and 2 appointments per day.
• Communicate document requirements to customers and ensure proper document collection.
• Review financials, bank statements, and property documents for completeness.
• Coordinate with customers, valuers, and the credit team for necessary checks and documentation.

Cross-Selling:

• Provide a gamut of financial products like Insurance, CASA, Credit Cards, etc., as required by the customer.
• Monitor and track lead conversions, ensuring timely follow-up and document collection.
• Renewals Management: Track monthly renewals, follow-up with customers for documents, and ensure timely processing.

CAM Conditions and OBA Review:

• Conduct monthly churn and condition reviews for CAM and OBA.
• Address any OBA waiver requirements and inform customers of any penalties or closures.
• Review and update call memos for customers and upload them for endorsement.

Portfolio Management & Housekeeping (HK):

• Reduce Housekeeping (HK) issues by ensuring timely submission of insurance and property-related documents.
• Monitor aging items, collecting necessary documentation and ensuring closure.

Delinquency Management:

• Actively follow-up on delinquent accounts, escalating as needed.
• Coordinate with credit managers for joint customer visits and ensure servicing of interest.

Complaint Management:

• Analyze customer complaints and resolve them promptly, communicating solutions through the CRM system.

Educational Qualifications:

• Graduate (Mandatory)
• Post-graduate qualifications like C.A., MBA (Preferred)

Key Skills:

• Sales & Influencing Skills
• Banking Product & Process Knowledge
• Planning & Organizing Skills
• Communication Skills
• Knowledge of Competition & Current Trends in the Financial Industry
• Coordination with Multiple Teams and managing multiple activities simultaneously
• Ability to work under pressure and meet deadlines.

Experience Required:

• Total Work Experience: 1-3 years
• Experience in Sales or Banking: Preferably in a business development or relationship management capacity.

Major Stakeholders:

• Customers
• Branch Staff
• Credit & Operations Teams
• Product Teams
• Legal & Compliance Teams