About the role
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)
§ 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.
§ 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.