About the role
SECTION I: BASIC INFORMATION
Job Title Relationship Manager Functional Title RM Yes Premia
Grade Assistant Manager / Deputy
Manager Management Band Junior Management
Business Unit Retail Banking Division Retail Banking
Department Relationship Management Yes
Premia Location Pan India
Reporting to Branch Manager No. of Direct Reports Not Applicable
SECTION II: ROLE SUMMARY
The role holder is responsible for deepening existing client relationships or acquiring those that are new to bank. The
incumbent must act as a one point of contact for managed clients and leverage opportunities to increase overall wallet share
in accordance with the financial needs of the customer.
SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES
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 IV: KEY 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 V: KNOWLEDGE & 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 Sector