Analyst, Branch Relationship Manager, Consumer Banking Group

DBS Bank; Gurugram District; On-site; INR 700,000 - 1,400,000; Full time

Job summary

DBS Bank in India seeks a Branch Relationship Manager to deliver growth through acquiring AUM >= INR 1 M and deeper wallet share via cross-sell. You will manage client relationships at the branch level, activate e-channels, and ensure service standards while complying with RBI guidelines.

The role focuses on building trust, expanding the client base, and coordinating with product and service teams to deliver superior banking experiences.

Qualifications

• Minimum 2 years of experience in a reputed bank.
• Graduate with 10+2+3 years of education; MBA preferred.
• AMFI/IRDAI/FEDAI certification with BCSBI considered an advantage.

Responsibilities

• Acquire and upgrade quality clients with AUM >= INR 1 M in branch area.
• Deepen wallet share through retention and cross-sell of DBS products.
• Ensure activation of e-Channels and growth of Savings Book.
• Maintain regulatory compliance and risk reviews during onboarding.

Skills

Relationship management

Customer service

Sales & cross-sell

Communication skills

Probing and listening

Attention to detail

Education

Graduate (10+2+3 years)

MBA (preferred, not mandatory)

AMFI/IRDAI/FEDAI with BCSBI (advantage)

Job description

Position Title

Branch Relationship Manager

Department

CBG - NDS

Rank

Officer/Senior Officer/Analyst

Reports To

Branch Manager

Job Purpose

To deliver exceptional volume and revenue performance by acquiring and engaging with DBS clients having an AUM => INR 1 million through need-based approach and ensure client coverage and product penetration through cross-sell and up-sell of DBS products and services. To manage & maintain the highest customer satisfaction and service levels through pro-active client engagement & relationship management, coordinating internally with DBS Service and Distribution and Product team

Key Accountabilities

Acquire and upgrade quality clients in the branch location areas to Treasures segment. Engage with existing customers to deepen the wallet share through retention and growth of AUM. Accountable for achieving monthly & annual volume and revenue objective, as agreed. Ensure activation of e-Channels (I-Banking / M-Banking/ Online MF/Debit Card) and Savings Book growth Ensure proper implementation & execution of product strategies through effective relationship management. Develop the client trust and loyalty for entrenched relationship with DBS through lifestyle and beyond banking propositions Ensure optimum product mix and new- to- product clients aimed at customer level profitability and enhancing client coverage. Drive and deliver exemplary customer service in the local market and uphold DBS service standards. Ensure internal and regulatory compliance through strict adherence to DBS sales process, timely risk reviews and exercising due diligence while on-boarding. Ensure exemplary service delivery of these clients by building appropriate workflows and processes incl. doorstep banking etc.

Job Duties & responsibilities

Establish, manage and grow the AUM of mapped Client segment by acquiring and nurturing the client having AUM => INR 1 M Ensure complete knowledge of all products & services through continuous skill and knowledge improvement. Resolve customer queries and complaints within the agreed TAT as per the DBS customer service policy. Coordinate and work closely with CBG colleagues, Service teams, Product specialist to ensure that team objectives are met through an environment that nurtures harmony and collaboration through teamwork Work closely with the Line Manager and City / Cluster Head to ensure achievement of common team and Branch objectives. Ensure internal and regulatory compliance and address operational risks if any, e.g. Health & Safety standards, security of premises, AML / KYC and ongoing risk reviews. To exercise appropriate due diligence while on-boarding and engaging with clients. Establish DBS as a primary banker for clients and as a prominent banking provider in India.

Required Experience

Minimum 2 years of experience in a reputed bank and proficient in banking products.

Education / Preferred Qualifications

Preferably MBA (not mandatory) Mandatory - Graduate (10+2+3 years of education) AMFI / IRDAI / FEDAI certified candidates with BCSBI certification would be an added advantage

Core Competencies

Strong Relationship Management and influencing skills Strong service orientation, customer-centric behavior Effective probing and listening skills. Self-driven and ambitious. Good written and verbal communication skills Results-orientated & the ability to deliver results under pressure In-depth knowledge of local market and competition. Understanding of competitive positioning Focused on developing image and goodwill of the brand Creative, inquisitive mind with problem solving abilities Ability to deliver results within tight timelines Attention to details, analyzing abilities

Technical Competencies

Understanding of HNI Sales/ wealth management product suite, platforms and operational procedures Understanding of banking and para-banking guidelines issued by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies. Knowledge of financial markets and products to assist in meaningful engagement with client

Work Relationship

Management of clients and prospects for acquisition and deepening of wallet share Close interaction with Branch Manager, BOSH, CSO, CH, RH, Treasures RMs and Treasures Elite Team D