Zonal Head Affluent

The role holder is responsible for leading and managing the affluent banking team across the zone while working closely with the Branch Banking Zonal Business Head (ZBH) to achieve defined business targets. The incumbent must possess strong advisory capabilities and advanced financial planning skills to acquire, nurture, and manage top HNI relationships within the region. Additionally, the role involves building and developing a high‑performing affluent team comprising Relationship Managers (RMs), Branch Relationship Heads (BRHs), and Regional Heads (RHs), ensuring consistent delivery of superior client experience and driving overall growth in the affluent business.

Strategy and Planning

• Delivery of expected business performance from the zone basis pre-defined goal sheets across various parameters such as Customer Engagement, Liability growth, NTB Acquisition, Portfolio Quality, Product Penetration, Cross-sell of Investments/Insurance/TFX /Assets products.
• Driving business growth by identifying opportunities for upselling, cross-selling, and expanding the bank's products and services to existing clients.
• Develop financial planning & wealth expertise among RM’s.
• Strategize along the lines of the organizational requirement and implement through the Regional Heads.
• Planning client facing activities and events to maximize engagement and business opportunities.

Policies, Processes & Procedures

• Risk Management: Assessing and managing risks associated with client relationships, ensuring compliance with regulations, and implementing measures to mitigate potential issues
• Compliance: Ensuring that all client interactions and practices comply with banking regulations and internal policies.
• Ensure 100% compliance with the YBL Code of Conduct
• Completes requirements for Investments AMFI, IRDA and YBL COC for RMs along with HCM and Compliance.

Core Responsibilities

• Plays critical role in enhancing business in all core vectors of the zone
• Over manage top 100 affluent customers of the zone
• Provides expertise on Relationship Management that includes acquisition, retention and enhancements of high value customer portfolios with the help of BD activities in region
• Ensures all sales activity is recorded online as per the organizational process defined 

People Management

• Monitors and enables the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the section. 
• Develops talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals. 
• Resource Hiring & Training - Work with HCM to ensure recruitment of RH’s and RM’s and ensure that all the portfolios are manned and all the affluent clients mapped to the zone are being offered service ensure onboarding as well as refresher training, provide learning through joint calls, ensure positivity and team motivation

Education

Essential:   Bachelor’s degree in any discipline

Preferred: Master’s degree is preferred

Experience

Essential: A minimum of 12-15 years of relevant experience with at least 10 years in a similar role.