ECO RM - Branch Banking

Role Overview: As a Relationship Manager, your primary responsibility will be to include High Net Worth Individual (HNI) customers into the HNW Program and provide them with a superior customer experience. By focusing on increasing the relationship size, cross-selling the right products, acquiring family accounts, and retaining and enhancing relationships, you will contribute to the profitability of the relationships. You will also serve as a one-point contact for all financial needs and services, thereby enhancing the current relationship value and wallet share to increase profitability. Key Responsibilities: - Liaise with branch staff to identify eligible customers from the HNW portfolio. - Acquire new customers who meet the product criteria. - Regularly interact with customers to build rapport, understand their needs, and update their profiles. - Enhance the overall value and book size of the portfolio. - Maintain the quality and hygiene parameters of the portfolio. - Cross-sell products based on customer needs. - Conduct joint calls with supervisors as per defined processes. - Offer advisory services based on customer requirements. - Achieve monthly and yearly revenue targets. - Control customer attrition. Operations, Marketing & Processes: - Ensure adherence to KYC/AML norms at all times. - Ensure compliance with norms for individual workstations. Increase In Wallet Share: - Identify cross-selling opportunities for other bank products to make the bank a one-stop solution for all banking needs of HNW customers. - Promote sales to family members and associates within the network. - Reach optimal levels of income generation. - Increase product penetration and contribute towards focused products. Customer Service: - Deliver quality customer service by resolving queries and complaints within the turnaround time. - Keep customers informed about regulatory or process changes and program features. - Communicate promptly with customers regarding their requests and concerns. - Proactively manage complaints through customer feedback. - Promote all direct banking channels to ensure customer utilization. - Ensure a smooth handover/takeover of portfolios. Qualifications Required: - Sales and influencing skills. - Banking product and process knowledge. - NRI product and regulatory knowledge. - Planning and organizing skills. - Good communication skills. - Knowledge of competition and current trends in the financial industry. - IRDA Certification. - NCFM Certification (Optional). - Exposure to the portfolio management segment.,