Micro Enterprise Group - Cochin, Trichur, Kollam

Job Name Relationship Manager

1. Planning the above so that it translates into 2 calls per day/2 appointments per day
2. Send the communication to the customer on documents required
3. Follow up the on the calls made for documents/arrange for pickup of documents
4. Check for completeness of documents
5. Go through the Financials/bank statements for churn/bounces/interest servicing as per product
6. KYCs

Cross Selling

1. To be the one-stop shop for each of our Express OD clients and provide suitable gamut of financial products such as Insurance, CASA, Credit Cards, Other Assets Products as required by the customer.
2. Monitor and track Leads.

Renewals

1. Work on the renewals in advance for customers who are not getting auto renewed
2. Mail to the respective customers on docs required for renewal
3. Follow up weekly twice for docs
4. Arrange for collection of documents
5. Check the documents for completeness
6. Study the financials/bank statements/churn/interest servicing/aberrations from the stated nos as per product requirement
7. Speak to the customer for addressing issues/aberrations
8. For renewals overdue and having genuine delay put up for extensions

Churn into WC account

1. Post disbursement ensure that all business churn comes to HDFC bank account
2. If OBA waiver required/check for justification/check for churn/put up to the authority
3. If not inform the customer on closure of OBA/levy of 2% penalty

Call Memos

1. Express OD Monitoring to happen basis central triggers, customers falling in triggers and if not contacted virually to be met by RM as required frequency.

Delinquency management

1. Depending upon severity of each case - Customer Call for servicing Interest.
2. Email communication to Branch & customer
3. Personal Visit to Customer / Joint Visit with Credit Manager;
4. Rigorous follow-up

Complaints : CRM / MD / PNO / CRO

1. Analyze complaint
2. Seek resolution post discussing with Customer

Educational Qualifications

• Educational Background Graduate

• Interpersonal Skills
• Coordination with multiple teams & multiple activities
• Ability to work under pressure.

Experience Required

• Total Work experience 1-3 years

Major Stakeholders

• Branch Banking Team
• Operations
• Product Team
• Credit