Relationship Manager - Credit Cards

Job Summary:

Relationship Manager Credit Cards

Key Responsibilities:

• Identify and acquire new customers for credit card products through field visits, referrals, leads, and cross-selling.
• Maintain and grow relationships with existing credit card customers to ensure usage, retention, and customer satisfaction.
• Explain product features, benefits, and eligibility criteria clearly and confidently to customers.
• Achieve monthly sales targets for card issuance and usage.
• Collaborate with internal teams like operations, risk, and customer service to ensure smooth onboarding and servicing.
• Monitor credit card usage behavior and suggest upgrades or value-added services.
• Address customer complaints, queries, and provide timely resolution.
• Ensure compliance with KYC norms, credit policies, and company guidelines.
• Maintain accurate records of customer interactions, applications, and follow-ups in CRM systems.

Qualifications & Skills:

Essential:

• Bachelor's degree in any field (preferably business, finance, or marketing).
• 13 years of experience in credit card sales or banking/financial services.
• Excellent communication, negotiation, and interpersonal skills.
• Customer-centric mindset with strong persuasion skills.
• Knowledge of credit card features, billing cycles, and regulatory guidelines.

Desirable:

• Experience with HNI/UHNI clientele or co-branded cards.
• Familiarity with digital sales tools or lead management systems.
• Local language proficiency is a plus.

Performance Metrics:

• Monthly credit card acquisition numbers.
• Activation and usage rates.
• Customer satisfaction scores (CSAT/NPS).
• Cross-sell and up-sell performance.
• TAT adherence and process compliance.