Relationship Manager

Job Purpose

Responsible for including HNI customers into the Preferred programme and offering them a superior customer experience to enhance the profitability of the relationship by increasing the relationship size, cross selling the right products, acquiring family a/c’s ,retaining and enhancing the relationship. The RM is also responsible for acquiring new to Bank Imperia relationships.

To be a one point contact for all his financial needs and services, thus enhancing current relationship value and wallet share which will further increase profitability from these relationships.

Key Responsibility Areas : 6 – 8 Areas

Activities

HNW Portfolio Management (Acquiring, Enhancing, Deepening and Retention)

· Liaising with PB/ Preferred RM to flag eligible customers form Classic/ Preferred portfolio

· Acquire new customers who meet product criteria

· Regular interaction with the customer to build rapport to understand and update the profile.

· Enhance the Overall value/book size of the portfolio

· Maintain the overall quality / hygiene parameters of the portfolio

· Cross selling products of the bank based on the customer need

· Joint calls being done along with Supervisor as per defined process

· Advisory services to be offered based on the requirement in coordination with PBG.
• Attrition control of customers

· Achieving MTD and YTD Revenue Targets

· Operations, Marketing & Processes

· Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc)

· Ensure KYC / AML norms are adhered to at all points of time

· Ensure that 5-S norms are adhered to for individuals workstation

· Increase in wallet share

· Look for opportunities to cross sell any other product of the Bank, to ensure that HDFC Bank is a one stop shop & solution for all banking needs of the Imperia Customer

· Sales to family members and associates (all network)

· Ensure that optimal levels of Income generating Product Group Holding (IPGH) is reached

· Product Penetration & contribution towards focused product

· Ensure that an optimal level of Income generating Product Group Holding (IPGH) is reached.

· Enhance client's Customer To Group ( CTG ) level

· Customer Service

· Ensure quality customer service is delivered. All customer queries and complaints are being resolved within TAT.

· Customer is informed about any regulatory or process change. Keep the customer updated on program features.

· Ensure timely customer communication on requests and concerns raised.

· Proactive complaint management through feedback from customers.

· Promoting all direct banking channels and ensuring that the customer is utilizing the same

· Ensuring that customers are introduced to the RBH / BM and PSO (PBA in case of a non PSO branch) so that there is back up when the customer visits the branch and the RM is out

· Ensure smooth transition of handover/takeover of the portfolio

Educational Qualifications

Key Skills(examples listed below)

· Graduation

· Post-Graduation

Certifications:

· AMFI Certification

· IRDA Certification

· NCFM Certification (Optional)

· Sales and Influencing Skills

· Banking Product & Process Knowledge

· NRI Product and Regulatory Knowledge

· Planning and Organizing Skills

· Good Communication skills

· Knowledge of Competition & Current trends in financial Industry.

Experience Required:
• Minimum experience in years – 2 to 6
• Exposure to Portfolio Management segment (Preferred)
• Current CTC must be 5 LPA along with Portfolio management

exposure.

Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)

· Customers

· Branch Banking Team

· Operations

· Product Team

· Asset Team

· Treasury

· Credit

· Life / General and Health Insurance Partners

· AMC’s

· HDFC Securities

Notes(Any specifications – apart from all mentioned above, to be communicated for the role)Salary: Up to ₹930,000.00 per yearSchedule:
• Day shift
• Monday to Friday