Relationship Manager - HNI - Branch Banking

<p><b>Roles and Responsibilities </b> </p> <p><b>Job Purpose </b> </p> <p> </p><ul> <li>Responsible for including HNI customers into the HNW Programe 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 </li> <li>Acquiring new Bank's HNW relationships. </li> <li>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. </li> </ul> <p><br /> <b>(HNW Portfolio Management - Acquiring, Enhancing, Deepening and Retention) </b> </p> <ul> <li>Liaising with branch staff to flag eligible customers form HNW portfolio </li> <li>Acquire new customers who meet product criteria </li> <li>Regular interaction with the customer to build rapport to understand and update the profile. </li> <li>Enhance the Overall value/book size of the portfolio </li> <li>Maintain the overall quality / hygiene parameters of the portfolio </li> <li>Cross selling products of the bank based on the customer need </li> <li>Joint calls being done along with Supervisor as per defined process </li> <li>Advisory services to be offered based on the requirement </li> <li>Achieving MTD and YTD Revenue Targets </li> <li>Attrition control of customers </li> </ul> <p><br /> <b>Operations, Marketing &amp; Processes : </b> </p> <ul> <li>Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc) </li> <li>Ensure KYC / AML norms are adhered to at all points of time </li> <li>Ensure that norms are adhered to for individuals workstation<br /> </li> </ul> <p><b>Increase in wallet share : </b> </p> <ul> <li>Look for opportunities to cross sell any other product of the Bank, to ensure that Bank is a one stop shop &amp; solution for all banking needs of the HNW Customer </li> <li>Sales to family members and associates (all network) </li> <li>Ensure that optimal levels of Income generating is reached </li> <li>Product Penetration &amp; contribution towards focused product </li> </ul> <p><b>Customer Service : </b> </p> <ul> <li>Ensure quality customer service is delivered. All customer queries and complaints are being resolved within TAT. </li> <li>Customer is informed about any regulatory or process change. Keep the customer updated on program features. </li> <li>Ensure timely customer communication on requests and concerns raised. </li> <li>Proactive complaint management through feedback from customers. </li> <li>Promoting all direct banking channels and ensuring that the customer is utilizing the same </li> <li>Ensure smooth transition of handover/takeover of the portfolio </li> </ul> <p><b>Key Skills : </b> </p> <ul> <li>Sales and Influencing Skills </li> <li>Banking Product &amp; Process Knowledge </li> <li>NRI Product and Regulatory Knowledge </li> <li>Planning and Organizing Skills </li> <li>Good Communication skills </li> <li>Knowledge of Competition &amp; Current trends in financial Industry. </li> <li>IRDA Certification </li> <li>NCFM Certification (Optional) </li> <li>Exposure to Portfolio Management segment </li> </ul> <p></p>