Relationship Manager - Business Banking Working Capital (RM-BBWC)
Relationship Manager - Business Banking Working Capital (RM-BBWC)
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Job Description
- To achieve overall business targets on volumes and profitability for BBG customers.
- To regularly interact with the branches for lead generation for BBGupdates on the leads in CRM ensuring conversions and following complete lead conversion process.
- Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with branch banking team.
- RMs have to follow the laid down sales process which involves updation of the regular client calls for both existing and prospective clients. These calls should be done in a structured manner either individually or with support groups branches or supervisors.
- These calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.
- Monthly review to be done with various product groups and supervisors who support the RM s portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
- Improvement on yield for the Bank so that the Portfolio has a strong Return on capital at RM portfolio level.
- Documentation predisbursement (Doc collection legal & TSR Valuation etc.) and post disbursement sign off from customers including deferral closure
- Ensuring cross selling of complete liabilities corporate salary accounts other asset products TPP to the existing Relationships and its raised group accounts.
- Increasing the IPH and CTG to ensure revenue maximization.
- Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer.
- Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities
- CAM Preparation & query resolution
- Customer negotiation on rates and other issues relating to charges.
- Daily servicing of customer w.r.t. Cheque referrals customer queries related to Banking Issuance of Cheque books managing cash deposition / withdrawal issues solvency certificates trade & Fx transaction etc.
- To make sure high level of client satisfaction.
- Coordination with credit for CAM approval deferral waiver /extension & other customer requirements like Buyers credit TOD s
- Coordination with local Ops for disbursements TOD limit settingsubmission of Stock Statement.
- Coordinating with trade desk and customer for smooth LC/BGissuance and for import / export payment BG invocation LCpayment
- ENet CMS and cross sell of other such products.
- Portfolio review and remedial management which includes managing exits line reductions recovery and restructuring of exposures. Management of stress and critical accounts.
- Also ensuring completion of Housekeeping pendencies including CAM renewals deferral closure call memos stock statements insurance renewals Plant visit Site visit etc.
- Followup and regularization of TOD s
- High value transaction reporting and tracking
Requirements
- Strong understanding of Financials and Balance sheets
- Strong Relationship Management skills
- Sales and Influencing Skills
- Strong Analytical ability
- Good Interpersonal and Negotiation skills
- Understanding of the Banking Industry
- Understanding of the SME sector
Educational Qualifications: Post Graduate in Finance or Chartered Accountant Strong understanding of Financials and Balance sheets Strong Relationship Management skills Sales and Influencing Skills Strong Analytical ability Good Interpersonal and Negotiation skills Understanding of the Banking Industry Understanding of the SME sector Note: Graduates/Post Graduates in any discipline with minimum 2 years of relevant experience may also apply. Experience Required Minimum 2-3 years of experience in Working Capital Sales and Service portfolio in a Private Sector Bank.
Employment Type
Full Time
Company Industry
Financial Services / Insurance Agencies and Brokerages / Investment Banking
