SECTION I: BASIC INFORMATION

Job Title Relationship Manager Functional Title RM Yes Premia

Grade Assistant Manager / Deputy

Manager Management Band Junior Management

Business Unit Retail Banking Division Retail Banking

Department Relationship Management Yes

Premia Location Pan India

Reporting to Branch Manager No. of Direct Reports Not Applicable

SECTION II: ROLE SUMMARY The role holder is responsible for deepening existing client relationships or acquiring those that are new to bank. The incumbent must act as a one point of contact for managed clients and leverage opportunities to increase overall wallet share in accordance with the financial needs of the customer.

SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIES

Core

Responsibilities

Relationship Management

▪ Manages the banking and investments relationship and is responsible for overall growth of Liabilities

& Investment business from branch/retail customers

▪ Develops, manages, and expands customer relationships by providing service level which exceeds client expectations of most important customer segment

▪ Identifies current and potential relationship with additional revenue potential and grow business volumes for larger share of customer wallet

Generating Incremental Business

▪ Sales targets spread across liabilities, retail assets, business banking, forex, cards, investments etc

▪ Proactively sells the full range of consumer and commercial product to current and potential

Relationships

▪ Deepens existing relationships or acquires current customers to Increase CASA balance in allocated portfolio

▪ Drives higher product and channel penetration to deepen mapped relationships and to increase customer relationship value with the bank





Customer Engagement

▪ Ensures portfolio quality by regularly engaging with each mapped relationship and maintaining the desired relationship values

▪ Face to the client and First person Responsible for service and sales satisfaction of mapped clients

Investments

▪ Analyses financial needs of the customers and offer appropriate product with utmost transparency

▪ Drives revenue business to generate fee income through products like mutual funds, investments and insurance

Audit & Compliance

▪ Adheres to the Bank’s policy on acquisition/BSA/KYC etc as well as compliance requirements of regulatory authorities (RBI/SEBI/AMFI/IRDA, etc)

Self-Management

Responsibilities

▪ Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year.

▪ Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training.

▪ Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively.

▪ Keeps abreast of relevant professional/industry developments,



new techniques and current issues through continued education and professional networks.

Risk and

Internal Control

Responsibilities

▪ Follows risk policy and processes to mitigate the operational, regulatory, financial, informational,

reputational and audit risks as instructed by the departmental manager.

▪ Executes the established internal control systems and compiles relevant information for departmental audits, as necessary.

SECTION IV: KEY INTERACTIONS

Key Internal

Interactions Purpose of Interaction

Channel Partners ▪ Coordinate with product and programs teams to drive channel activities and initiatives

Other Unit RM’s ▪ Connect with Business Banking RM’s, ADM, RBDL, PSM to maximize leads and generate cross sell opportunities

▪ Liase with key stakeholders eg YSB, HCM, FCU to execute organizational mandates

▪ Solicit support as required to close key job deliverables

Key External

Interactions Purpose of Interaction

Prospective YBL

Customers

▪ Present the organization in a professional and positive manner to generate interest and capture mindshare

Existing YBL

Cusotmers ▪ Seek to engage and identify opportunities to increase the overall wallet share

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum

Qualifications

▪ Bachelor’s degree

▪ Master’s degree is preferred

Professional

Certifications

▪ AMFI/NCFM/NISM/IRDA/JAIIB/CAIIB & such relevant certifications will be an added advantage.

Language Skills ▪ Written and spoken English is essential

EXPERIENCE

Years of

Experience ▪ A minimum of 2 years of relevant experience with at least 1 year in a similar role

Nature of

Experience ▪ Prior experience in BFSI Sector

📌 Relationship Manager (Thiruvalla)
🏢 Yes Bank
📍 Thiruvalla