Relationship Manager - Business Accounts

• Accountable for meeting sales targets (No. and value) as per the defined scorecard

Primary Responsibilities:

• Manage and grow the banking and investment relationships of High Net Worth (HNI) clients under the their portfolio.
• Increase CASA balances in the assigned portfolio through deepening existing relationships and acquiring new-to-bank (NTB) customers.
• Drive overall growth in liabilities and investment products within the HNI segment.
• Capture and maximize business opportunities through detailed client profiling in line with organizational processes (CRM).
• Develop and expand customer relationships for both liability and retail asset products.
• Inform clients about new products and enhancements to deepen and broaden banking relationships.
• Ensure portfolio profitability by cross-selling and up-selling across the Banks product suite.
• Manage segment-wise customer migration to enhance profitability and optimize service delivery.

Additional Responsibilities:

• Deliver a superior service experience that exceeds the expectations of AU clients.
• Proactively identify potential problem accounts and implement risk-mitigating strategies.
• Ensure customer migration across sub-segments is managed smoothly and aligned with Bank policies.
• Promote and drive usage of digital and alternate banking channels to improve client convenience and reduce operational costs.
• Accurately and consistently record all sales and client engagement activities in the CRM system.
• Ensure strict compliance with regulatory and internal policies, especially in customer onboarding and account management.
• Foster long-term client relationships through trust, transparency, and proactive engagement.

Required work experience

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer

Key Performance Indicators: Business Volume, Average Ticket size, Boarding rate

Required Competencies:

• ownership and accountability for results
• Customer-centric mindset and actions
• adept at handling digital business apps and software
• hard work and detail-orientation
• eager to learn and grow as a banking professional
• positive mindset, ethical and high integrity
• Bias for Action and Urgency

Required Knowledge:

• Aptitude for lead generation
• Target Market Knowledge - Local Area geography familiarity
• Familiarity with Digital applications
• Detailed data collection/recording

Required Skills:

• Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken
• Relationship Management - Client-Centric Approach, respectful
• Sales Forecasting Reporting

Required abilities

Physical:

• Physical fitness
• Mental agility
• Ability to do extensive field travel/work
• Ability to handle work pressure and demanding clients

Other:

• Valid Two-Wheeler Driving License
• Personal 2-wheeler
• Own Smartphone
• track record of past employment
• Positive reference check and clear civil report

Work Environment Details: 90% - Field, 10% - Office

Specific requirements

• Travel: High
• Vehicle: 2-wheeler

Other details

• Time Constraints: Flexibile workhours as per business requirement

Compliance Related:

• Aherence to Code of Conduct policy of the bank
• Non-disclosure of confidential information about bank, clients
• Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.
• Ensure adherence to KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines during all customer onboarding and account-opening processes.