ECO RM - Branch Banking

Responsible for including HNI customers into the HNW Program 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 accounts, retaining, and enhancing the relationship. The Relationship Manager (RM) is also responsible for acquiring new Bank's HNW relationships. To be a one-point contact for all their financial needs and services, thus enhancing the current relationship value and wallet share which will further increase profitability from these relationships. Liaising with branch staff to flag eligible customers from the HNW portfolio. Acquire new customers who meet product criteria. Regular interaction with the customer to build rapport and understand and update the profile. Enhance the overall value/book size of the portfolio. Maintain the overall quality/hygiene parameters of the portfolio. Cross-sell products of the bank based on the customer's needs. Joint calls being done along with the Supervisor as per the defined process. Advisory services to be offered based on the requirement. Achieving MTD and YTD Revenue Targets. Attrition control of customers. Ensure KYC/AML norms are adhered to at all points in time. Ensure that norms are adhered to for individual workstations. Look for opportunities to cross-sell any other product of the Bank to ensure that the Bank is a one-stop-shop and solution for all banking needs of the HNW Customer. Sales to family members and associates (all network). Ensure that optimal levels of income generation are reached. Product penetration and contribution towards focused products. Ensure quality customer service is delivered. All customer queries and complaints are being resolved within TAT. The 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. Ensure a smooth transition of handover/takeover of the portfolio. Key Skills required include 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 the Financial Industry, IRDA Certification, NCFM Certification (Optional), Exposure to the Portfolio Management segment.,