Associate Relationship Manager-Liabilities

IDFC FIRST Bank; Junagadh; On-site; INR 300,000 - 550,000; Full time

Job summary

IDFC FIRST Bank invites applications for an Associate Relationship Manager – Liabilities in a rural banking setup. You will support Relationship Managers, generate leads, open accounts with strict KYC adherence, promote mobile/net banking and deposits, and drive account activation while ensuring high service quality.

The role requires strong communication, relationship-building skills, and a willingness to work in rural markets, with focus on cross-selling and compliance.

Qualifications

• Graduate in any discipline (e.g., BA, BCom, BBA, BSc, BTech, BE).
• Minimum 1 year of relevant experience in branch banking.

Responsibilities

• Map catchment areas and maintain daily activity reports.
• Generate potential customers via cold calling and promotions.
• Complete account opening with KYC compliance and field verification.
• Promote multiple products during account opening (mobile banking, net banking, deposits).
• Drive account activation and maintain account health.
• Provide superior customer service to increase wallet share and satisfaction.
• Resolve queries promptly and effectively.
• Cross-sell based on lifestyle and financial needs.
• Ensure compliance with bank policies and regulations.
• Suggest process improvements to enhance service efficiency.
• Support livelihood and community development initiatives.

Skills

Communication skills

Interpersonal skills

Customer-centric mindset

Knowledge of banking products

Needs assessment

Attention to detail

Compliance orientation

Field verification ability

Promotional activities

Willingness to work in rural markets

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.