Associate Relationship Manager-Liabilities

IDFC FIRST Bank; Chilakaluripet; On-site; INR 350,000 - 520,000; Full time

Job summary

IDFC FIRST Bank invites applications for the role of Associate Relationship Manager – Liabilities in its Rural Banking team. You will support the Relationship Manager to deepen client relationships, generate leads, and open accounts while ensuring KYC compliance and seamless service delivery in rural markets.

Key duties include field visits, walking customers through banking products, cross-selling (mobile banking, net banking, deposits), and maintaining accurate activity reports to drive

Qualifications

• Excellent communication and interpersonal skills.
• Customer-centric with relationship-building focus.
• Knowledge of banking products and services.

Responsibilities

• Conduct area mapping and maintain daily activity reports.
• Generate leads via cold calling and promotional activities.
• Assist with account openings and ensure KYC compliance.
• Promote multiple product adoption during account opening (mobile banking, net banking, deposits).
• Drive account activation and maintain account health.
• Deliver superior customer service to increase wallet share and satisfaction.
• Resolve customer queries and issues promptly.
• Assess client needs and identify cross-selling opportunities.

Skills

Strong communication

Interpersonal skills

Customer-centric

Banking products knowledge

Relationship building

Education

Graduate in any discipline

Job description

Job Requirements

The Associate Relationship Manager – Liabilities is a key role within the Rural Banking function, focused on deepening customer relationships and delivering exceptional service. The role supports the Relationship Manager in expanding the bank’s liabilities business in rural markets through lead generation, account opening, and customer engagement. The role bearer is responsible for acquiring new clients, building household-level relationships, and maximizing the lifetime value of each customer. This position plays a vital part in achieving the bank’s broader strategic goals in rural banking.

Key Responsibilities

• Primary Responsibilities
• Conduct area mapping within the catchment and maintain accurate and timely daily activity/sales reports.
• Generate a wish list of potential customers through cold calling and promotional activities to increase awareness of the bank and its products.
• Ensure completion of account opening formalities with strict adherence to KYC norms, including mandatory field verification.
• Promote multiple product adoption during account opening (e.g., mobile banking, net banking, recurring deposit/fixed deposit activation).
• Drive account activation and maintain account health consistently.
• Deliver superior customer service to increase wallet share and customer satisfaction.
• Resolve customer queries and issues promptly and effectively.
• Assess client needs and generate new revenue streams through cross-selling based on lifestyle, risk profile, and financial requirements.
• Ensure compliance with all bank policies and regulatory requirements.

Secondary Responsibilities

• Recommend process improvements to enhance service efficiency and quality across the branch network.
• Support the implementation of livelihood advancement and community development initiatives.

What We Are Looking For

Education

• Graduate in any discipline (e.g., BA, BCom, BBA, BSc, BTech, BE).

Experience

• Minimum1yearsof relevant experience in branch banking.

Skills and Attributes

• Strong communication and interpersonal skills.
• Customer-centric approach with a focus on relationship building.
• Good understanding of banking products and services.
• Ability to assess customer needs and offer appropriate solutions.
• High attention to detail and compliance orientation.
• Proactive and self-motivated with a willingness to work in rural markets.
• Ability to conduct field verifications and engage in promotional activities.