Job description
Core
Responsibilities
Relationship Management :
- Manages the banking and investments relationship and is responsible for overall growth of Liabilities
- & Investment business from branch/retail customers
- Develops, manages, and expands customer relationships by providing service level which exceeds
- client expectations of most important customer segment
- Identifies current and potential relationship with additional revenue potential and grow business
- volumes for larger share of customer wallet
- Generating Incremental Business
- Sales targets spread across liabilities, retail assets, business banking, forex, cards, investments etc
- Proactively sells the full range of consumer and commercial product to current and potential
- Relationships
- Deepens existing relationships or acquires new customers to Increase CASA balance in allocated
- portfolio
- Drives higher product and channel penetration to deepen mapped relationships and to increase
- customer relationship value with the bank
- Customer Engagement:
- Ensures portfolio quality by regularly engaging with each mapped relationship and maintaining the
- desired relationship values
- Face to the client and First person Responsible for service and sales satisfaction of mapped clients
- Investments
- Analyses financial needs of the customers and offer appropriate product with utmost transparency
- Drives revenue business to generate fee income through products like mutual funds, investments and
- insurance
- Audit & Compliance
- Adheres to the Bank's policy on acquisition/BSA/KYC etc as well as compliance requirements of
- regulatory authorities (RBI/SEBI/AMFI/IRDA, etc)
- SelfManagement
- Responsibilities
- Defines performance goals at the start of the year in discussion with the reporting manager and
- ensures that the goals are monitored and achieved during the course of the year.
- Takes ownership of his/her own learning agenda by identifying development needs in consultation
- with the reporting manager and working towards bridging the gaps through various means which
- go beyond just training.
- Understands the competencies relevant to his/her role, and works towards displaying as well as
- developing these effectively.
- Keeps abreast of relevant professional/industry developments, new techniques and current issues
- through continued education and professional networks.
- Risk and
- Internal Control
- Responsibilities
- Follows risk policy and processes to mitigate the operational, regulatory, financial, informational,
- reputational and audit risks as instructed by the departmental manager.
- Executes the established internal control systems and compiles relevant information for departmental
- audits, as necessary.
- SECTION IVKEY INTERACTIONS
- Key Internal
- Interactions Purpose of Interaction
- Channel Partners Coordinate with product and programs teams to drive channel activities and initiatives
- Other Unit RM's Connect with Business Banking RM's, ADM, RBDL, PSM to maximize leads and generate cross sell
- opportunities
- Liase with key stakeholders eg YSB, HCM, FCU to execute organizational mandates
- Solicit support as required to close key job deliverables
- Key External
- Interactions Purpose of Interaction
- Prospective YBL
- Customers
- Present the organization in a professional and positive manner to generate interest and capture
- mindshare
- Existing YBL
- Cusotmers Seek to engage and identify opportunities to increase the overall wallet share
- SECTION VKNOWLEDGE & EXPERIENCE
- KNOWLEDGE
- Minimum
- Qualifications
- Bachelor's degree
- Master's degree is preferred
- Professional
- Certifications
- AMFI/NCFM/NISM/IRDA/JAIIB/CAIIB & such relevant certifications will be an added
- advantage.
- Language Skills Written and spoken English is essential
- EXPERIENCE
- Years of
- Experience A minimum of 2 years of relevant experience with at least 1 year in a similar role
- Nature of
- Experience Prior experience in BFSI Secto
