Recruitment of Relationship Manager (Sales)

Eligibility Criteria

• Any Graduates or Postgraduates under a regular stream with a minimum of 60% marks and above from a college affiliated to a recognized University are only eligible to apply.
• If the percentage of marks is in CGPA mode, the same should be converted into equivalent percentage.
• Besides English, candidates should be conversant in the local language as per the posting location.
• Candidate must possess 4 - 9 years of relevant experience from Banks.
• Age below 40 years.

Roles & Responsibilities

Customer Acquisition and Lead Generation

• Identify and meet potential MSME customers to generate new business opportunities.
• Convert potential leads into actual business by effectively communicating the bank's value proposition.
• Ensure the achievement of business targets in terms of incremental growth in the portfolio, number of customers, and the quantum of disbursals.
• Conduct daily huddle meetings on lead identification and document meetings diligently through emails with BBH.

Due Diligence and Proposal Submission

• Perform necessary KYC, customer validation, due diligence, and market enquiry. Collect required data/information as per the checklist.
• Conduct mandatory unit and security visits before submitting proposals.
• Submit proposals to the Processing Team through the LOS module.
• Follow up to obtain sanctions and issuance of sanction letters within stipulated timelines.

Coordination and Documentation

• Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines.
• Create and execute necessary documents, MOD, filing ROC, CERSAI, etc.
• Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines.
• Introduce the Branch Head and other branch officials to the customer for account operations and communicate with the account parking branch.

Post-Sanction Monitoring and Handover

• Ensure monitoring of all post-sanction activities for the first year.
• Complete monitoring of the account on an ongoing basis until the next renewal.
• Handover the file to the Service RM for further renewals and service after the first renewal is completed.

Cross-Selling and Upselling

• Achieve cross-sell or upsell targets and forex targets.
• Conduct a minimum of 4 new customer visits per day and visit mapped branches twice a month for the generation of quality leads and conversion.

Compliance and Risk Management

• Ensure all sanction terms and conditions are complied with within the timelines.
• Ensure verification of stocks, units, and business performance after sanction.
• All post-sanction formalities to be complied with.
• Ensure quality of the portfolio without any delinquencies.