Job Purpose
• To achieve over all business targets on volumes and profitability for the specific and NTB customers for Infrastructure Finance Group.
• Ensure Portfolio Growth and Management in line with business segment’s objectives Job Responsibilities 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 current 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 customer’s needs.
• To ensure Fee and other income growth including NFB income lines mix and growth 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,Insta Alert, etc from time to time. 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 TAT’s
• Initiatives, process innovation beyond normal work
• Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEM’s.
• 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

📌 Relationship Manager (Daskroi)
🏢 SkillLabs
📍 Daskroi