Branch Relationship Manager (BRM) - HNI Handling - Sivakasi

HNI Relationship Manager – CASA & Portfolio Management

Department: Liabilities / Branch Banking
Experience Required: Minimum 1 year (Banking preferred)
Location: As per branch requirement
CTC: As per industry standards

Role Summary

Responsible for acquiring and managing High Net-Worth Individuals (HNI) customers, sourcing CASA accounts, deepening relationships, and managing the client portfolio to ensure revenue growth and service excellence.

Key Roles & Responsibilities

1. HNI Client Acquisition & Relationship Management

• Acquire new HNI customers through cold calls, referrals, and branch walk-ins.

• Build and maintain strong relationships with premium clients.

• Conduct regular client meetings to understand financial needs and provide suitable banking solutions.

• Ensure high customer satisfaction and retention.

2. CASA Acquisition & Deepening

• Source high-value Current Accounts (CA) and Savings Accounts (SA) from HNI and SME clients.

• Drive CASA growth through quality sourcing and cross-selling.

• Ensure account activation, funding, and balance build-up.

3. Portfolio Management

• Manage a portfolio of HNI customers with focus on balance growth, cross-sell and service.

• Analyze customer transaction patterns and identify opportunities for revenue enhancement.

• Monitor portfolio health, ensure compliance with KYC/AML norms.

• Offer suitable products: FD, RD, Debit cards, digital banking, investments (if mapped).

4. Cross-Selling & Revenue Generation

• Cross-sell bank products like insurance, personal loans, home loans, credit cards, and wealth products.

• Achieve monthly targets for CASA, revenue, and cross-sell.

• Increase product penetration for each customer.

5. Service & Compliance

• Deliver excellent customer service and quick resolution of customer queries.

• Ensure all transactions follow bank policies, audit guidelines, and regulatory norms.

• Complete periodic reviews, documentation, and compliance checks.

6. Branch Coordination

• Coordinate with operations, service, and product teams for smooth onboarding and servicing.

• Participate in branch activities, sales events, and local marketing campaigns.

Required Skills & Competencies

• Minimum 1 year experience in banking sales / CASA / relationship management.

• Strong communication & presentation skills.

• Ability to handle HNI clients professionally.

• Good understanding of banking products (CASA, FD, digital banking, loans).

• Target-driven, customer-focused, and proactive.

Educational Qualification

• Graduate or Post Graduate in any discipline (MBA preferred)