Relationship Manager, Business Banking - Biz Development, IBG - ( WD42744 )
Position Title : Portfolio Manager IBG 4
Department : SME- IBG 4, India
Reports To : Regional Segment Head
To deepen wallet share of existing customers to scale our liabilities portfolio and increase cross sell.
Maintain customer profile including risk profile, demographics of their base
To handle existing book of customer and Drive Liabilities Sales through existing client base for operating account , term deposits and other transaction banking products in line with the targets set out.
deepening the existing customers and increasing wallet share,
cross sell banks products.
Move customers to digital channels, deepening the existing customers and increasing wallet share
record and track all engagement activities through the CRM system
Comply with KYC, other regulators governing the bank. Highlight any adverse remarks from your customer base immediately
Good understanding of the sales process through preferably prior sales experience of 5-6 years
Prior Liabilities, Cash, Trade and Foreign Exchange banking selling experience is desirable
Market knowledge and experience in the Mid-market / SME segment, with reference to customer preferences and requirement would be preferable.
Education / Preferred Qualifications
A graduate or equivalent degree (with experience / understanding of banking and sales), Computer proficiency (Acquaintance with internet and MS Office) with relevant experience of selling in banking /NBFC financial products.
Customer-centric, not product-centric
Good technical knowledge of cash management/ transaction banking business
Good team worker
Good customer and relationship management skills.
Good interpersonal and communications skills.
Good problem solving, planning & organising skills. Planning, scheduling and monitoring deliverables, within a stipulated time frame using effective methods
Well versed in AML risk
Basic understanding of liability banking products and associated technology platforms and operational procedures
Understanding of regulatory guidelines on banking issued by MAS and by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements are critical.
Knowledge of financial markets and products to assist in meaningful dialogue with clients
Possess good working relationship and a high degree of team spirit and cooperation with relationship group as well as service partners in the bank such as Product Mgt, Operations, Finance, Legal etc, so as to ensure seamless delivery of products to clients
Establish rapport with our clients so as to win their business, confidence and trust