Role & responsibilities

ROLE PURPOSE• Acquire, manage, deepen and retain HNI customer relationships under Preferred/Imperia programs.

- Act as the single point of contact for all financial and service needs of mapped customers.
- Enhance relationship profitability by increasing wallet share, product penetration and overall book size.

KEY RESPONSIBILITIES

HNW PORTFOLIO MANAGEMENT• Acquire new HNI customers meeting Preferred/Imperia programme criteria.

- Conduct regular interactions to understand client needs and update financial profiles.
- Enhance portfolio value, book size and ensure hygiene metrics (KYC/AML/5S compliance).
- Manage attrition and achieve monthly and yearly revenue targets.

SALES, CROSSSELL & PRODUCT PENETRATION• Crosssell bank and thirdparty products based on customer needs.

- Increase wallet share and drive higher product penetration across customer groups.
- Improve IPGH (Income Generating Product Holdings).
- Conduct joint calls with supervisors where required.

CUSTOMER SERVICE & EXPERIENCE• Deliver high-quality customer service; resolve queries and complaints within defined TAT.

- Provide timely updates on regulatory and process changes to customers.
- Promote digital banking channels for convenience and service efficiency.




- Ensure smooth handover/takeover of customer portfolios.

ADVISORY & RELATIONSHIP DEEPENING• Recommend tailored financial solutions (investment planning, asset allocation, risk management).

- Partner with Wealth, Treasury and Product teams for advanced advisory services.
- Strengthen relationships through proactive communication and need-based engagement.

OPERATIONS, COMPLIANCE & DOCUMENTATION• Ensure error-free documentation for account opening and customer service requests.

- Strictly adhere to KYC/AML norms and all internal compliance standards.
- Maintain accurate records and follow all operational processes meticulously.

SKILLS & COMPETENCIES• Robust sales and influencing abilities.

- Excellent knowledge of banking products, customer segments and market trends.
- Exceptional communication and relationship-building skills.
- Strong planning, organizing and portfolio management capabilities.
- NRI product and regulatory knowledge (especially relevant for Imperia RM roles).

EDUCATION & CERTIFICATIONS• Graduation mandatory; post-graduation preferred.

- Preferred certifications: AMFI, IRDA, NCFM and NRI regulatory knowledge.

📌 Preferred Rm, Imperia RM-(Portfolio & Sales-No Operations) (Kolkata)
🏢 HDFC Bank
📍 Kolkata