Assistant Relationship Manager-Liabilities

IDFC FIRST Bank; Madhya Pradesh; On-site; INR 400,000 - 600,000; Full time

Job summary

IDFC FIRST Bank is seeking an Assistant Relationship Manager-Liabilities to deepen rural banking relationships across PAN India. The role focuses on liability penetration, client acquisition, and delivering best-in-class service to rural customers.

The incumbent will support the Relationship Manager in lead generation, account openings with strict KYC adherence, and cross-selling of mobile banking, net banking, and fixed deposit products at the point of account opening, while maintaining healthy

Qualifications

• Adherence to KYC norms with field verification mandatory.
• Ability to map catchments and generate daily activity/sales reports.
• Proactive cross-selling of bank products at account opening.
• Maintain healthy relationships and provide best-in-class service.

Responsibilities

• Lead Area Mapping in the catchment and maintain accurate daily activity reports.
• Prepare Wish list of customers through cold calling and promotion activities.
• Ensure completion of account opening formalities with strict adherence to KYC norms.
• Engage customers with multiple products at the time of account opening (Mobile banking, Net banking, RD-FD activation).
• Ensure activation and health of accounts and superior customer service.
• Drive client acquisition and revenue through cross-sell opportunities.
• Ensure compliance as per bank requirements and suggest process improvements.

Skills

Cold calling

KYC compliance

Cross-selling

Customer service

Job description

Role / Job Title

Assistant Relationship Manager-Liabilities

Business

Retail Banking

Function / Department

Rural Banking

Place of Work

PAN India Rural Locations

Job Purpose

The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.

Roles & Responsibilities

• Lead Area Mapping in the catchment and maintain accurate and timely daily activity / Sales reports
• Prepare Wish list of customers through cold calling and promotion activities to drive awareness about the bank and products across the catchment area
• Ensure completion of account opening formalities with strict adherence to KYC norms (Field verification Mandatory)
• Engage customers with multiple products at the time of account Opening (viz: Mobile banking / Net banking registration / RD- FD activation)
• Ensuring account activation and subsequently maintaining the health of account
• Ensure superior customer service to capture larger wallet share of population
• Spearhead resolution of customer queries and issuesli>
• Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements
• Ensure compliance as per the bank requirements.
• Recommend process changes in order to improve service efficiency and quality across the branch network
• Provide support for implementation of livelihood advancement and community development initiatives.

Secondary Responsibilities

• Recommend process changes in order to improve service efficiency and quality across the branch network
• Provide support for implementation of livelihood advancement and community development initiatives.

Key Success Metrics

Customer Acquisition targets, Cross sell targets.