Job Description:

ob Title

Relationship Manager - NRI / Acquisition RM-NRI

Department / Business Unit

Retail Banking / NRI Business Vertical / Branch Banking

Job Purpose

- Deepen and manage relationships with NRI customers, understanding their financial needs and offering relevant banking solutions. Shine+3GrabJobs+3foundit+3

- Acquire new NRI (NTB - New To Bank) clients and service existing NRI clients to contribute to the growth of the bank’s NRI portfolio. Adzuna+3GrabJobs+3Jobaaj+3

- Collaborate with product, operations, and branch teams to ensure seamless delivery of product & service offerings. GrabJobs+2Shine+2

Key Responsibilities

Below are typical responsibilities:

Area Responsibilities
Client Acquisition Identify and acquire recent NRI customers via referrals, cold-calling, network, local partners. foundit+3foundit+3Jobaaj+3
Client Relationship & Retention Maintain ongoing relationships with NRI clients, understand their financial goals, proactively suggest suitable products, ensure high customer satisfaction. GrabJobs+2foundit+2
Sales & Cross-Selling Sell a range of NRI banking products (savings/NRE/NRO accounts, fixed deposits, remittances, loans, investments, insurance etc.); cross-sell to increase share of wallet. Shine+3foundit+3Jobaaj+3
Portfolio Management Monitor inflows/outflows; manage existing NRI portfolios; ensure account activation/funding; track and improve profitability. Jobaaj+1
Targets & Performance Monitoring Meet / exceed defined sales/acquisition targets; monitor performance regularly; implement corrective actions. Shine+2Shine+2
Service & Customer Experience Handle customer queries/complaints; ensure high service standards and speedy resolution; maintain accurate records of interactions; ensure smooth operations. GrabJobs+1
Market Awareness & Strategy Stay updated with market trends, competitor offerings, regulatory changes affecting NRIs; suggest or adapt strategies for better acquisition or service. GrabJobs+2Shine+2




Collaboration Coordinate with internal teams (products, operations, legal/compliance etc.) and external partners (B2B, brokers) to support acquisition/service efforts. Jobaaj+2foundit+2

Qualifications & Experience

Typical requirements:

- Educational Qualification: Bachelor’s degree (Finance, Commerce, Business Administration, or related field). Some roles may prefer or include postgraduate qualifications (MBA / PGDM) depending on seniority. Shine+1

- Relevant Experience: Varies by location and seniority. Often between 2-8 years in banking / financial services / sales / relationship management, ideally with experience in NRI products. SimplyHired+2foundit+2

Skills & Competencies

- Excellent communication (verbal & written) and interpersonal skills. Adzuna+1

- Strong sales & negotiation skills. foundit+1

- Understanding of financial products (deposits, remittances, investment, loans) and NRI banking regulations. foundit+2foundit+2

- Customer-centric mindset; ability to build trust (even virtually / telephonically) with clients. Jobaaj+1

- Good analytical skills: tracking targets, monitoring portfolio metrics, understanding market trends. GrabJobs+1

- Tech savvy / comfortable using internal bank systems / CRM / digital tools. SimplyHired+1

Metrics of Success

Some of the KPIs / metrics by which the RM-NRI might be measured:

- Number of new NRI customers acquired (NTB count) GrabJobs+2Jobaaj+2

- Incremental deposits / liabilities from NRI clients; volumes of remittances etc. Jobaaj+1

- Cross-sell rates (product per customer) Jobaaj

- Customer satisfaction / turnaround time for service/issues, complaint resolution. GrabJobs

- Retention / growth of existing NRI portfolio. foundit+1

Key Challenges (Implicit)

- Dealing with regulatory & compliance aspects specific to NRIs (e.g. tax/NRI account rules, documentation)

- Making acquisition cost-effective (balancing lead generation cost vs. value)

- Maintaining service quality when clients are remote, possibly overseas; time zones, communication barriers

- Ensuring accurate record keeping and operations support

📌 IDFC First Bank / RM-NRI / Bangalore (Bengaluru)
🏢 Acura Solution
📍 Bengaluru