BBWC-RM

HDFC Bank Limited; Kolkata District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

HDFC Bank Limited invites applications for the role of Relationship Manager - Business Banking Working Capital (RM-BBWC). This position focuses on acquiring new asset relationships and managing a portfolio of 30-40 BBG relationships, providing high-net-worth service to achieve business objectives.

Key duties include business development, lead generation via branches, CRM updates, cross-selling liabilities and other products, and monthly portfolio reviews with product groups.

Qualifications

• Postgraduate in Finance or Chartered Accountant (CA) required.
• Strong relationship management and sales skills are essential.
• Knowledge of SME banking and cash management products is a plus.

Responsibilities

• Business Development: Achieve targets for BBG customers; generate leads through branches; update CRM; ensure lead conversion; identify potential customers; cross-sell liabilities and other products.
• Customer relationship management: Build relationships with customers; prepare profiles; resolve queries; negotiate rates; provide daily service including cheque referrals, cash management, and trade transactions.
• Portfolio oversight: Review portfolio performance monthly with product groups and supervisors; ensure documentation pre- and post-disbursement.

Skills

Relationship management

Sales & influencing

Analytical ability

Interpersonal skills

Negotiation skills

SME banking knowledge

Education

Postgraduate in Finance

Chartered Accountant

Job description

Job Title

Relationship Manager - Business Banking Working Capital (RM-BBWC)

Business Unit

Business Banking Working Capital

Reporting To

Cluster Head

Job Function and Role Type

Sales, Individual Contributor, Travel Required: Extensive in semi-urban/rural areas, moderate in metros/urban areas.

Job Purpose

Acquire new asset relationships through various channels and manage a portfolio of 30-40 BBG relationships. Maintain high-net-worth relationship management to deliver quality service and achieve business objectives.

Key Responsibilities

Business Development

Achieve business targets on volumes and profitability for BBG customers; Generate leads through branch interaction, update CRM, and ensure lead conversion; Identify potential customers, enhance product penetration, and strategize with branch teams; Conduct structured client calls, update CRM, and assign tasks to departments; Review portfolio performance with product groups and supervisors monthly; Ensure documentation pre- and post-disbursement and cross-sell liabilities, corporate salary accounts, and other products.

Customer relationship management

Build relationships with internal and external customers to ensure satisfaction; Prepare customer profiles, identify cross-sell opportunities, and resolve queries; Negotiate rates and charges with customers; Provide daily customer service, including cheque referrals, cash management, and trade transactions.

Education:

Postgraduate in Finance or Chartered Accountant.

Certifications:

None specified.

Key Competencies

Relationship management, sales and influencing, analytical ability, interpersonal and negotiation skills, understanding of banking and SME sectors.

Major Stakeholders

Customers, credit underwriting team, branch banking team, operations, treasury, legal and audit, and other cross-functional teams.