Relationship Manager-Current Account

REPORTS TO

Cluster Head Current Account

1. ROLE PURPOSE & OBJECTIVE

This role is responsible for acquiring new current account customers from the open market and enhance the relationship with existing customers (managing existing CA portfolio as assigned) by cross-selling products and services as per the profile & need of the customers.

This role drives the current account business for the respective branch and ensure the CA targets for the branch is met.

The incumbent provides service to both existing as well as to NTB current account customers.

This role also handles cross selling of QR & POS and is accountable for adherence to compliance and regulatory norms.

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• CA book size of the branch
• CA Target for the branch

• Generate quality sales leads
• Handling of both internal and external queries

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Meet the set targets on current account in terms of open market acquisition & existing customer conversion
• Focus on building the current account book for the bank
• Understand need and acquire customers who meet the criteria for liability products through either of the below channels:

• Leads generated by branch staff and personal leads
• Referrals generated from existing customers
• Alternate channels

• Maintain the database of the prospects, meet select prospects and manage the relationship thereafter
• Accompany MSE staffs on the field for actively driving conversion of existing borrowing customers into liabilities customers
• Cross sell other products of Ujjivan such as QR, POS, Payment Gateway, OD & TPP and pass on quality leads to respective MSE loan officers.
• Share customer insights/product related feedback with the Branch Manager

Customers

• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
• Reduce customer dormancy and customer attrition by continuous engagement / interaction
• Resolves the customer queries.

Internal Processes

• Guide the customer to fill the Account Opening Form; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
• Strictly adhere & maintain compliance to KYC norms
• Drive the cross sell of other products such as QR, POS & TPP

Learning & Performance

• Maintain up to date knowledge of the CA liability products and services as well as a working knowledge of other products offered in the branch
• Ensure adherence to training man-days/ mandatory training programs for self

• Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate, preferably in commerce and related streams

Experience(Years and Core Experience Type)

Minimum 3+ years of experience in retail branch banking (preferable in CA sales)

Functional Skills

• Basic knowledge on retail banking products especially current account
• Documentation skills
• Process compliance focus
• Communication skills: fluent in the local language

Behavioral Skills

• Courteous customer service skills
• Time Management
• Selling skills
• Telephonic cold calling skills
• Willingness to travel & relocation as per business requirements and career opportunities

Competencies

• Planning and Organizing
• Customer Focus
• Managing Relationships
• Driving Execution
• Collaborating
• Coaching
• Business Acumen
• Influencing