Job Description Relationship Manager Current Account

Position

Relationship Manager – Current Account

Department

Branch Banking / Business Banking

Job Location

[Location]

Experience

0–5 years in Banking, Financial Services, Sales, Relationship Management, or a related field

Qualification

Graduate in any discipline. Postgraduate/MBA in Finance, Marketing, or Business Management will be an advantage.

Job Purpose

The Relationship Manager – Current Account will be responsible for acquiring new customers, managing and growing an assigned current-account portfolio, increasing CASA balances, and developing long-term customer relationships.

The role involves understanding customer/business requirements and providing appropriate banking solutions while achieving assigned business, acquisition, service, and cross-selling targets.

Key Responsibilities

- Acquire new Current Account customers through market visits, references, leads, and business networking.
- Build and maintain strong relationships with existing current-account customers.
- Drive CASA growth and improve balances within the assigned customer portfolio.
- Identify customer needs and cross-sell relevant banking products and services.
- Increase product penetration and wallet share across the mapped customer base.
- Promote products such as business loans, working capital facilities, POS/payment solutions, cash management services, trade finance, insurance, investments, and other suitable banking products.
- Conduct regular customer meetings and business visits to understand financial and banking requirements.
- Profile customers and recommend suitable solutions based on their business requirements.
- Coordinate with internal teams for processing and closure of loans, trade transactions, CMS, POS, and other banking requirements.
- Ensure smooth account opening, KYC documentation, onboarding, and activation of new customers.
- Encourage customers to adopt digital banking channels such as mobile banking, internet banking,



online payments, and other digital services.
- Handle customer queries and complaints and ensure timely resolution.
- Monitor account activity, balances, transaction patterns, and overall portfolio health.
- Achieve monthly/quarterly targets relating to customer acquisition, CASA, cross-sell, revenue, and portfolio growth.
- Maintain accurate customer records and ensure timely updating of CRM and banking systems.
- Ensure strict adherence to KYC, AML, regulatory, internal policy, and compliance requirements.
- Maintain high standards of customer service and work towards making the bank the customer's primary banking partner.
- Support branch-level business development and other assigned banking initiatives.

Key Performance Indicators (KPIs)

- New Current Account acquisition
- CASA balance growth
- Customer portfolio growth
- Average balance per account
- Product penetration / cross-sell
- Fee and other revenue generation
- Customer retention and activation
- Digital banking adoption
- Customer service / complaint resolution
- Compliance and audit performance

Required Skills

- Robust sales and business-development orientation
- Excellent communication and interpersonal skills
- Relationship-building and customer-handling skills
- Good knowledge of banking products and services
- Ability to understand business/customer financial requirements
- Strong negotiation and convincing skills
- Market mapping and lead-generation ability
- Good analytical and problem-solving skills
- Ability to work with targets and deadlines
- Basic knowledge of KYC, AML, and banking compliance
- Proficiency in MS Office and CRM/banking system

Preferred Candidate Profile

- Experience in Current Account, CASA, Branch Banking, SME Banking, Business Banking, or Relationship Management will be preferred.
- Candidates with strong sales, field-sales, or client-acquisition experience may also be considered.
- Should be comfortable with customer meetings and local market visits.
- Should have a strong network-building and business-acquisition mindset.

📌 Relationship Manager (Gurugram)
🏢 Acura solutions
📍 Gurugram