Associate Relationship Manager-Liabilities

IDFC FIRST Bank; Murwara; On-site; INR 280,000 - 520,000; Full time

Job summary

IDFC FIRST Bank in India is hiring an Associate Relationship Manager-Liabilities for its Rural Banking team. The role focuses on deepening relationships in rural accounts and ensuring best-in-class service to customers.

The incumbent will support the Relationship Manager in liabilities penetration, lead generation and account opening as per customer needs. The role emphasizes building household-level relationships, cross-selling multiple products at account opening, and ensuring KYC-compliant

Qualifications

• Graduation in BA / BCom / BBA / BSc / BTech / BE or equivalent.
• 0 to 2 years of relevant branch banking experience.

Responsibilities

• Lead area mapping and maintain daily activity and sales reports.
• Promote bank products during account opening (mobile/ net banking, RD/ FD).
• Ensure account opening with KYC compliance; field verification mandatory.
• Engage customers to drive activation and health of accounts.
• Provide superior customer service to increase wallet share.
• Resolve customer queries and issues promptly.
• Identify cross-sell opportunities based on needs and risk profile.
• Ensure adherence to bank policies and process improvements.

Skills

Relationship management

Banking sales

Lead generation

KYC compliance

Education

Bachelor's degree

Job description

Job Requirements

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.