Relationship Manager - Business Banking
Relationship Manager - Business Banking
Posted on :
21-07-2025
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1 Vacancy
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Job Description
JOB PURPOSE
- To achieve over all business targets on volumes and profitability for the specific and NTB customers for Infrastructure Finance Group.
- Ensure Portfolio Growth and Management in line with business segments objectives
JOB RESPONSIBILITIES
Asset Growth
- Identifying potential and scoping the clients for Asset growth (Budgeting)
- Ensure YoY Asset growth in line with verticals targets
- Responsible for managing the accounts/ clients for desired asset growth as per plan for the year
- Increasing Asset Product Mix for the client CC/OD/WCDL/TL/DRUL etc
- Increasing the asset book by acquiring new customers (NTB)
- Portfolio monitoring and review (ALM/ Tableau/ Business MIS)
Core Income
- Planning the income targets at start of the financial year
- Ensure YoY Income growth in line with verticals targets
- Portfolio monitoring to meet the MoM revenue plans. Tracking of performance at regular intervals to monitor income variance with budgets; formulating and implementation of plans to meet income targets for the portfolio
- Monitor and deliver on Incremental/ Portfolio Yield as per Plan
- Revenue maximization through offering of right mix of Products as per customers needs.
- To ensure Fee and other income growth including NFB income lines mix and growth
Liability
- To meet Liability growth in line with Assets growth to meet the Self-Funding Plan for the year
- To be the face of the Bank for all products and services that a customer needs viz CA/ SA/ FD/ Customers Salary Account etc
- To engage continuously with Bank Branch Channel to ensure delivery of product/ services
Key Objectives
- To plan and meet Key Objectives set for the year by senior management which need special focus by team.
- To promote KOs like Cross sell of Bank products driving branch business etc
- To ensure PSL/Agri targets of the portfolio is achieved
- Engaging customers for Promotion of digital drives of the Bank like Enet/NetBanking TON SME digital Mobile Banking PayZapp Insta Alert Smart Buy etc from time to time.
Qualitative objectives
- Relationship building with both internal and external customers
- Ensuring and tracking required client calls for both existing and prospective clients on CRM.
- Preparation of CAM engaging with Credit for approval and engaging with Operations for disbursement and ensuring defined TATs
- Initiatives process innovation beyond normal work
- Geography/ Area handling to ensure coverage including the Rural initiatives along with Branch/ OEMs.
- To mentor manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding
- To track Market and Competition
- Product Holding per client
Housekeeping
- To keep proper track on Housekeeping for the Healthy portfolio
- PDD Deferrals to be ensured within defined levels
- ORMC deferrals to be nil
- Management of stress and critical accounts timely exits and resolving the NPA/ Write-off cases
- Managing Call Memo CAM renewals minimum SRM
- Ensure that business is conducted as per Banks and RBI guidelines
Employment Type
Full-time
Key Skills
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