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

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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
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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.
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Excellent communication skills with the ability to
acquire and manage a wide and varied portfolio of
clients
Certifications:
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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
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AMFI Certification (Optional)
NCFM Certification (Optional)
CAIIB (Optional)
Internal Certification
Insurance certification (optional)
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Good selling skills to deal with B2B and B2C
clients
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Effective time management skills
Highly self-motivated and energetic, 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
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Experience Required
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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)
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Customers
Credit and policy
Operations
Product Team
Retail Branch Banking
Trade/ Forex/ Treasury/ Salary/ Digital teams
Classification - Internal

📌 Relationship Manager Infrastructure finance Bank (Lucknow)
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📍 Lucknow