4 Retail Asset Jobs

Loan against Gold Jewelry operations - Loan Application Form checking as per laid down guidelines. Know Your Customer checking as per banks KYC Policy. To conduct sample checking & valuation of jewelry by valuer. Ensure proper inputting of data in Loan Origination System. To generate repayment schedule and payment detail updation as per Straight Through Process/Non-Straight through Process. Proper storage of Gold packet as per defined guidelines. To manage all vouchers and records as per laid down guidelines. Timely processing of all records in the RMS/Archival system as per laid down guidelines. To liaise with Record management Agency for storage/retrieval of records. To ensure system Security. Investigate customer complaints and analyze, send response and resolve the same under intimation to seniors. Liaison with internal customers for resolution of issues. Suspense/General Ledger accounts monitoring. Store all security documents, instruments, etc. in FRFC under dual custody. To convert customer on digital platform.

Role & responsibilities: This position is responsible for New Business Development under Farmer Financing product. This will include mentoring sales officers and liaising with peers in other business groups Scope the market, customers and understand trends needs in focus Agri Value Chains. Develop Customer Acquisition strategy and penetration strategy in focus Agri Value Chains. Own the Customer relationships on FF activities; enable desired support to Line TeamsCorporates to get RIG penetration on mandates, activation & FF Assets. Provide customer field level inputs on New Product requirements & assist in customizing Corporate requirements Develop FF Assets by coordinating with Corporate RM's on memo limit setup repayments and FF team on farmer level documents Develop rapport with internal support Teams for limit approvals, disbursements and repayments of assets. Develop know how on Agri Value Chain by interacting with leading Industry players like Corporate and Associations Cross Sell: Generating leads for retail asset Liability Digital products. Preferred candidate profile : Full time graduation & experience in working capital sales Role: Relationship Manager Industry Type: IT Services & Consulting Department: BFSI , Investments & Trading Employment Type: Full Time, Permanent Role Category: Banking Operations

JobPurpose Is responsible for Classic portfolio management by acquisition of new Classic customers and enhancement of the relationship by cross-selling products and services as per the profile & need of the customers. Acquiring family accounts and deepening the size of the relationship and retention of the customers by providing the best possible services and being the dedicated point of contact for these customers. We become the primary banker for these Classic relationships and maximize the share of wallet of these customers. JobResponsibilities(JR)Actionable Sales Maintain Daily Sales Report CH 106 and CH 104 Calling o Structured bundled offering of Products and Services to the customer within the defined time line Ensure quality new acquisition on SA and CA for Resident/Non Resident o Walk Ins o Portfolio o Referrals Friends Associates Family members o Attrition control Includes persuading the customer to continue and if required renew FDs Deepen by cross selling sticky products like Demat, Bill Pay, Advisory. Ensure quality of relationship while flagging. Should be capable of maintaining eligibility Regular customer contact to establish needs of the customer and opportunities to cross-sell Monitor large amount movements and account closure from the deposit accounts and ensure that customer does not attrite Ensure that the marketing analytics list on possible attrite, is called and retained Penetration of Saving Accounts on non liability customers Propagate the benefits of not being on DNC registration list in case a non-portfolio customer opts for it Utilizing the sales resources (BDR/COEX) for optimal sales support Penetration of FD to unique customers Using Data-mine for cross-selling Sales of various Credit Cards o Activation o Pitch for enhancement of limits o Promote active usage of credit cards Ensure that the customer avails of add-on card for his family members Sales of Third Party Products to the customers o MF/Insurance/RBI Bonds o Ensure that requisite certifications are done (NISM V-A) Sales of Asset Products Disseminating product information Activation: To ensure that all accounts savings and current account (non ABM branches) opened in the month are activated as per product definition at the end of the next month. All such accounts to maintain more than the required AMB Activation of LTD a/cs: To ensure that all LTD accounts are activated and remain in the same state month on month. o Maintain the list of active and inactive customers for both CA and SB and engage with the customers for balance build up and cross sell. o Calling of customers who have not transacted and know the reasons. o Escalate to BM Product on any change in market situation threat from competition due to which customers have stopped operations. Corporate Salary: Calling on customers who transfer their salary a/cs to other banks immediately on credit o To ensure such customers are engaged and brought back to bank fold o To cross sell loan products with other banks for which such transfer may take place o To cross sell investments to such customers by which they will tend to maintain balances Calling on Large Value Attrition: o Customers who have attrited over a certain value (as defined by product) for both savings and current accounts to be called and reasons ascertained o To impress upon customers to make us the primary bankers and ensure that all funds are retained. Enhancing customer wallet size o Ensuring that customers make us their primary bank Knowing about where all the customer is currently banking and moving him to our Bank Ensuring that customer scope is done and products targeted accordingly Sales to family members and associates (all network) Attrition control of customers o Includes persuading the customer to continue and if required renew FDs o Monitor large amount movements account closure from the deposit accounts and ensure that customer does not attrite o Ensure that the marketing analytics list on possible attrite, is called and retained ManagingClassicPortfolio Manage the benchmark no. of customers in the portfolio Extend Classic benefits to customers basis identification in eligibility lists/ LTR Ensure that individual customers are grouped and C ustomer T o G roup (CTG) Ratio is maintained on the portfolio By grouping them with their family members who already hold accounts with us By grouping them with their family members post selling liability products to the family members, if they do not have banking relationship with us Ensure that optimal levels of I ncome generating P roduct G roup H olding (IPH) is reached Ensure that within each customer group a minimum number of stipulated Income Generating products are sold Ensure that the Customer Group profitability is achieved Manage Band 1 and 2 customers and ensure that they are moved to Band 3 and above Enhance Values within each of the customer groups Online updation of CRMNext at every stage of customer contact on the portfolio Proactively raising the eligible customers to the classic portfolio within the prescribed product product programme Ensure that all classic customers within the portfolio are contacted Usage of APT and data in CRM for effective call planning and review with BH PBA(Pre call planning and post call review ) Detailed updation of interaction to be captured in CRM , Tasks/ leads to be created , profiler to be updated on same day of interaction. Achievementofincomeplansand otherbenchmarkswithinportfolio Ensure that income plans for the month and year are duly met across products Achieving of portfolio level benchmarks of and IPH Income product to be sold to each group of the portfolio in the year Ensure that the benchmark sales per month is met Usage of netbanking Mobile banking , Billpay , RDFD penetration benchmark to be met CEP to be met as per cycle All customers to have valid mobile and email address Customerservices Ensure quality customer service is delivered Recording complaints as per the specified process Resolving all complaints received (self, branch, other units) within the stipulated TATs Ensure appropriate customer communication on closures & copy of that to be filed. Preventive complaint management Asking for feedback from customers, who may not be complaining Promoting all direct banking channels and ensuring that the customer is utilizing the same Check back on recent customers registered to DBC channel and give any specific help required Responsibility of opening the customer account within the TAT. Operations Ensure certification of documentation required for opening and maintaining customer accounts Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc) Maintaining Tatkal kits as per laid down process As a locker custodian ensure that locker allotment and all other related operations is as per prescribed process o Includes managing standing instructions Submission of daily e-schedule indicating the third party sales done Updation of CRM for the asset leads generated Updation of weed-out database on the portal Ensure KYC norms are adhered to at all points of time Ensure that 5-S norms are adhered to for individuals workstation Opening of accounts under smart account mode

ob Description: To build and manage relationships with new and existing clients so as to ensure income generation from sale of product- Dukandar Overdraft relevant to the client - Shopkeeper. Acquisition and managing a portfolio of existing relationships and achievement of overall business targets. Experience in Banking sector in SME/mid-marked/Corporate banking domain with understanding of various bank facilities like, Overdraft, etc. Need Candidate who are Interested in Field sales Job Purpose To run initiatives in line with key objectives of the Businessin order toattain the banks objective of business leadership. Key Responsibility Areas : Branch Management 1. Plan the branch visits detailing the coverage every week 2. Meeting the branches during the morning meeting - every branch once a month 3. Scoping the RM/PB customer for lead/joint calls OR make use of available resources in the branch for leads/joint calls 4. Planning the catchment area activity/scoping for lead generation/joint call 5. Ensure RM/PB activation from the activities above and review of branch performance/resource wise performance/review with CH as and when required. 6. Creating excitement in branches/spot sanctions/contests/recognition program 7. Check CRM daily and review the leads/update follow up leads/with dates 8 Document branch meeting through Cogent/mails Lead generation/logins 1. Planning the above so that it translates into 2 calls per day/2 appointments per day 2. Send the communication to the customer on documents required 3. Follow up the on the calls made for documents/arrange for pickup of documents 4. Check for completeness of documents 5. Go through the Financials/bank statements for churn/bounces/interest servicing as per product 6. KYCs Cross Selling 1. To be the one-stop shop for each of our Express OD clients and provide suitable gamut of financial products such as Insurance, CASA, Credit Cards, Other Assets Products as required by the customer. 2. Monitor and track Leads. Renewals 1. Work on the renewals in advance for customers who are not getting auto renewed 2. Mail to the respective customers on docs required for renewal 3. Follow up weekly twice for docs 4. Arrange for collection of documents 5. Check the documents for completeness 6. Study the financials/bank statements/churn/interest servicing/aberrations from the stated nos as per product requirement 7. Speak to the customer for addressing issues/aberrations 8. For renewals overdue and having genuine delay put up for extensions Churn into WC account 1. Post disbursement ensure that all business churn comes to HDFC bank account 2. If OBA waiver required/check for justification/check for churn/put up to the authority 3. If not inform the customer on closure of OBA/levy of 2% penalty Call Memos 1. Express OD Monitoring to happen basis central triggers, customers falling in triggers and if not contacted virually to be met by RM as required frequency. Delinquency management 1. Depending upon severity of each case - Customer Call for servicing Interest. 2. Email communication to Branch & customer 3. Personal Visit to Customer Joint Visit with Credit Manager; 4. Rigorous follow-up Complaints : CRM MD PNO CRO 1. Analyze complaint 2. Seek resolution post discussing with Customer Educational Background Graduate Interpersonal Skills Coordination with multiple teams & multiple activities Ability to work under pressure