Relationship Manager- Current Accounts

RBL Bank PCRM (Preferred Current Account RM)

Job Title: PCRM (Preferred Current Account RM)

Overall Goal: Current Account RMwill be responsible for

• Acquisition of new Business Entity customers and creating CA Book 
• Management of  Acquired Current Account customers 
• Enhancement of the relationship by cross-selling products and services as per the profile & need of the these current account customers 
• Deepening the size of the relationship and retention of the customers by providing the best possible services and being the dedicated point of contact for these customers
• Make RBL Bank a primary bank for customer and get maximum wallet share

Key Result / Responsibility Areas:

1. Acquisition of Business Entity (Current Account) customers

• Acquisition of NTB High Value Current Accounts
• NTB Acquisition of Current accounts dealing in international Trade
• Identify and Acquire New to Bank working capital limit customers with Trade Limits viz Buyers Credit, PCFC, LC,BG etc
• Acquire New to Bank customer requiring Assets Limits Business Loans, Cash Management Services & Door Step Banking, API Banking and other allied Current Account services 

RM will have to create his own CA book by self-sourcing, Market Visit & Industry & Area Scoping, External References & Leads.

1. Portfolio Management –

• Engage with Acquired customer on regular basis and ensure that Group company and Family customers also bank with RBL Bank
• Regularly interact with the customer to build rapport, customer profiling should be used to set customer level objectives post discussion branch Manager/TL. Customer interaction to be regular updated in system provided.
• Ensure that within each customer group a minimum number of stipulated Income Generating products are sold as per the customers profile and needs. RM to Cross sell appropriate products to the customers and ensure activate usage.
• Enhance Values within each of the customer groups by ensuring that a/cs are activated 
• Cross Sell Bank Products for revenue generation and engagement 
• Basis customer business requirement cross sell products like POS , Payment Gateway, Trade /Forex ( LC /BG/ Remittance /OD) , Doorstep Banking Services.
• Cross Sell various RBL Bank products like TPP, FD. Credit Card, Loans to customers and related group business/ family 
• Drive active business transaction through RBL bank account 
• Should know the customer’s business in order to provide banking and financial solutions
• Register customer for various Direct Banking Channels of the bank 

1. Customer Services

• Ensure quality customer service is delivered 
• Recording complaints as per the specified process
• Resolving all complaints received from portfolio customers within the stipulated TAT’s and ensure appropriate customer communication on closures 
• Preventive complaint management by regular interaction with the customers 

1. Target Achievement 

• PC- RM will be given a quarterly and yearly target on revenue, product cross sell and book value build up
• Basis the Target the RM will be tracked on regular basis for achievement of the Targets
• CA RM will be evaluated on Portfolio Score Card 

Competencies: 

• Sales and Influencing Skills 
• Banking Product & Process Knowledge. The candidate should have past experience of Current Account product & processes, Trade & Forex , Door Step banking and other current account related products.
• Planning and Organizing Skills 
• Communication & Writing skills 
• Knowledge of Competition & Current trends in financial Industry.

Preferred Sector: BSFI 

Education: Post Graduate

Experience: Above 3 years in a Current Account /Trade- Forex  sales & / or relationship role in any of the sectors mentioned above

Reporting: CA RM will report to Branch Managers