Classification - Internal

Job

Actionable

Responsibilities(JR) :

Asset Growth

Identifying potential and scoping the clients for Asset growth (Budgeting)

Ensure YoY Asset growth in line with verticals targets

Responsible for managing the accounts/ clients for desired asset growth as per plan for the year

Increasing Asset Product Mix for the client CC/OD/WCDL/TL/DRUL etc

Increasing the asset book by acquiring new customers (NTB)

Portfolio monitoring and review (ALM/ Tableau/ Business MIS)

Core Income

Planning the income targets at start of the financial year

Ensure YoY Income growth in line with verticals targets

Portfolio monitoring to meet the MoM revenue plans. Tracking of performance at regular intervals to monitor income variance with budgets; formulating and implementation of plans to meet income targets for the portfolio

Monitor and deliver on Incremental/ Portfolio Yield as per Plan

Revenue maximization through offering of right mix of Products as per customers needs.

To ensure Fee and other income growth including NFB income lines mix and growth (BG/ LC)

Liability To meet Liability growth in line with Assets growth to meet the Self-Funding Plan for the year To be the face of the Bank for all products and services that a customer needs viz CA/ SA/ FD/ Customers Salary Account etc To engage continuously with Bank Branch Channel to ensure delivery of product/ services

Key Objectives

•

To plan and meet Key Objectives set for the year by senior management which need special focus by team.

•

•

•

To promote KOs like Cross sell of Bank products ,



driving branch business etc To ensure PSL/Agri targets of the portfolio is achieved

Engaging customers for Promotion of digital drives of the Bank like

Enet/NetBanking, TON, SME digital, Mobile Banking, PayZapp, Insta

Alert, Smart Buy, etc from time to time.

Classification - Internal

Classification - Internal

Qualitative objectives

Relationship building with both internal and external customers

Ensuring and tracking required client calls for both existing and prospective clients on CRM.

Preparation of CAM, engaging with Credit for approval, and engaging with

Operations for disbursement and ensuring defined TATs

Initiatives, process innovation beyond normal work

Geography/ Area handling to ensure coverage including the Rural initiatives,

along with Branch/ OEMs.

To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding To track Market and Competition

Product Holding per client

Housekeeping

•

To keep proper track on Housekeeping for the Healthy portfolio

PDD, Deferrals, to be ensured within defined levels

ORMC deferrals to be nil

Management of stress and critical accounts, timely exits and resolving the NPA/

Write-off cases

•

•

Managing Call Memo, CAM renewals, minimum SRM





Ensure that business is conducted as per Banks and RBI guidelines

Classification - Internal

Classification - Internal

Educational Qualifications

Key Skills

CA or PGDM/MBA or Engineers from reputed institute.

•

Excellent communication skills with the ability to acquire and manage a wide and varied portfolio of clients

Certifications

•

Excellent knowledge of Banking Products & EMI loans (Infra/ commercial equipment market understanding is desirable)

Sound business acumen and a high degree of financial management capability

•

•

•

•

•

AMFI Certification (Optional)

NCFM Certification (Optional)

CAIIB (Optional)

Internal Certification

Insurance certification (optional)

•

•

Positive selling skills to deal with B2B and B2C clients

•

•

Effective time management skills

Highly self-motivated and dynamic, enthusiastic and passionate with a desire to succeed

Assertive approach and good in convincing different stakeholders

Problem solving approach, learning attitude,

innovative in structuring the deals

•

•

Experience Required

•

•

•

Minimum experience 2 years as RM

Exposure to banking preferable

Exposure to commercial/ capital equipment market, SME preferred

Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)

•

•

•

•

•

•

Customers

Credit and policy

Operations

Product Team

Retail Branch Banking

Trade/ Forex/ Treasury/ Salary/ Digital teams

Classification - Internal

📌 Relationship Manager Infrastructure finance Bank (Agra)
🏢 HDFC Bank
📍 Agra