Associate Relationship Manager-Liabilities

IDFC FIRST Bank; Madhya Pradesh; On-site; INR 300,000 - 540,000; Full time

Job summary

IDFC FIRST Bank in Madhya Pradesh invites an Associate Relationship Manager-Liabilities to deepen relationships in Rural Banking. You will support Relationship Manager, drive liabilities penetration, and handle account openings with strict KYC, while promoting banking products to customers at onboarding.

You will map catchment areas, generate leads, ensure timely sales reporting, and strive to expand wallet share through cross-selling, aiming for compliant, high-quality service and sustainable

Qualifications

• Experience in branch banking and customer onboarding.
• Willingness to work in rural markets with field visits.
• Ability to manage customer relationships and cross-sell products.

Responsibilities

• Lead area mapping in the catchment and maintain daily activity/sales reports.
• Prepare wishlist of customers via cold calling and promotions to raise awareness.
• Ensure completion of account opening with strict KYC norms (field verification mandatory).
• Engage customers with multiple products at account opening (mobile banking, net banking, RD/FD activation).
• Ensure account activation and ongoing health of accounts.
• Provide superior service to capture larger wallet share.
• Spearhead resolution of customer queries and issues.
• Assess client needs and generate new revenue via cross-sell opportunities.
• Ensure compliance as per bank requirements.
• Recommend process changes to improve service efficiency across the branch network.
• Provide support for implementation of livelihood advancement and community development initiatives.
• Recommend process changes to improve service efficiency across the branch network.
• Provide support for implementation of livelihood advancement and community development initiatives.

Skills

Relationship management

Lead generation

Cold calling

KYC compliance

Cross-selling

Education

Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate

Job description

Role/Job Title:

Associate Relationship Manager-Liabilities

Function/Department:

Rural Banking

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.

Primary 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 / Recurring Deposit-Fixed Deposit 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 issues.
• 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.

Education Qualification:

Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate.

Experience:

0 to 2 years of relevant branch banking experience.