Emerging Enterprises Group Relationship Manager Working Capital

Job Purpose

To execute initiatives aligned with key business objectives, driving the bank's goal of business leadership through effective portfolio management and client servicing.

Key Responsibilities

Branch Management

• Plan weekly branch visits

  , detailing coverage and ensuring maximum outreach.
• Conduct

  monthly meetings

  with branches to review performance and discuss lead generation strategies.
• Engage with

  RM/PB customers

  for joint calls, leveraging branch resources for lead generation.

• Activate RM/PB

  activities and track resource performance with Territory Head.
• Foster

  excitement and motivation

  within branches through spot sanctions, contests, and recognition programs.
• Ensure timely

  CRM updates

  for lead tracking and follow-up.

Lead Generation & Logins

• Plan to achieve

  2 calls per day

  and

  2 appointments per day

  .
• Communicate document requirements to customers and ensure proper document collection.

• Review financials

  , bank statements, and property documents for completeness.
• Coordinate with

  customers, valuers

  , and the credit team for necessary checks and documentation.

Cross-Selling

• Provide a

  gamut of financial products

  like Insurance, CASA, Credit Cards, etc., as required by the customer.
• Monitor and track

  lead conversions

  , ensuring timely follow-up and document collection.

• Renewals Management

  : Track monthly renewals, follow-up with customers for documents, and ensure timely processing.

CAM Conditions and OBA Review

• Conduct

  monthly churn and condition reviews

  for CAM and OBA.
• Address any

  OBA waiver requirements

  and inform customers of any penalties or closures.
• Review and update

  call memos

  for customers and upload them for endorsement.

Portfolio Management & Housekeeping (HK)

• Reduce

  Housekeeping (HK)

  issues by ensuring timely submission of insurance and property-related documents.
• Monitor

  aging items

  , collecting necessary documentation and ensuring closure.

Delinquency Management

• Actively follow-up on

  delinquent accounts

  , escalating as needed.
• Coordinate with

  credit managers

  for joint customer visits and ensure servicing of interest.

Complaint Management

• Analyze customer complaints

  and resolve them promptly, communicating solutions through the CRM system.

Educational Qualifications

• Graduate

  (Mandatory)

• Post-graduate

  qualifications like

  C.A., MBA

  (Preferred)

Key Skills

• Sales & Influencing Skills

• Banking Product & Process Knowledge

• Planning & Organizing Skills

• Communication Skills

• Knowledge of Competition & Current Trends

  in the Financial Industry

• Coordination with Multiple Teams

  and managing multiple activities simultaneously
• Ability to

  work under pressure

  and meet deadlines.

Experience Required

• Total Work Experience

  : 1-3 years

• Experience in Sales

  or

  Banking

  : Preferably in a business development or relationship management capacity.

Major Stakeholders

• Customers

• Branch Staff

• Credit & Operations Teams

• Product Teams

• Legal & Compliance Teams