Business Development Relationship Manager

Ujjivan Small Finance Bank; Nagpur District; On-site; INR 400,000 - 700,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Business Development Relationship Manager in the Branch Banking team. Based at the Branch location, you will acquire Priority/HNI liabilities from open market and engage in cross-sell of Life, General, Health Insurance, Mutual Funds and SIPs.

You will promote digital banking usage and drive Forex and Cards targets through NTB customers. The role requires 3-5 years in sales, a commerce background, and AMFI/IRDA certification.

Qualifications

• Graduate, preferably in commerce and related streams.
• AMFI & IRDA Certified.
• 3-5 year experience, preferably in sales.

Responsibilities

• Meet targets on liabilities in Priority/HNI open market.
• Acquire Priority/HNI customers meeting liability criteria.
• Drive digital adoption ensuring onboarded customers use digital channels.
• Cross-sell 3rd party products (Life/General/Health Insurance, Mutual Funds, SIP).
• Meet targets for Forex, Cards through NTB customers.
• Asset cross-sell as per branch targets.
• Share customer insights with Sales Manager - Liabilities.

Skills

Negotiation

Customer communication

Time management

Selling skills

Cold calling

Education

Graduate, preferably commerce

AMFI & IRDA Certified

Job description

SUB-DEPARTMENT

Sales

• Current Account Products- Esp Maxima & HNI Products

POSITION DESCRIPTION

JOB TITLE

Business Development Relationship Manager

GRADE : M

DEPARTMENT

Branch Banking

LOCATION : Branch

SUB-DEPARTMENT

Sales

TYPE OF POSITION : Full-time

REPORTS TO

Branch Manager-Branch Banking

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

The incumbent will be primarily responsible to -

• Acquire new Priority/HNI customers for liabilities from open market
• Plan and execute activities with the objective of acquiring Priority/HNI customers
• Digital Adoption- Ensure that all onboarded customers are using our digital banking channels
• Ensure that Cross-sell targets assigned are met for Third Party Products such as Life Insurance, General Insurance, Health Insurance, Mutual Funds, SIP etc.
• Ensure that other targets assigned such as Forex, Cards are met through NTB customers.
• Ensure that Asset cross-sell is done basis target assigned (if applicable in respective branches)

NON-FINANCIAL SIZE

• Current Account Numbers- 1
• Savings Account Numbers- 6
• Current Account Values- 1.5 Lakhs
• Savings Account Values- 18 Lakhs
• TD Values- 15 Lakhs
• TPP- 1 Lakh Premium in Insurance

(Subject to changes basis Management decision)

• Current Account Products- Esp Maxima & HNI Products
• Savings Account Products: - Esp Maxima & HNI Products
• Fixed Deposits
• Life Insurance
• Health Insurance
• General Insurance
• Mutual Funds & SIPs

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Meet set targets on liabilities in terms of Priority/HNI open market acquisition & customer conversion via activities
• Understand need and acquire Priority/HNI customers who meet the criteria for liability products through either of the below channels:
• Leads generated by branch staff and personal leads
• Activities
• Alternate channels
• Maintain the database of the prospects, meet select prospects and manage the relationship thereafter till specified tenure
• Digital Adoption- Ensure that all onboarded customers are using our digital banking channels
• Ensure that Cross-sell targets assigned are met for Third Party Products such as Life Insurance, General Insurance, Health Insurance, Mutual Funds, SIP etc
• Ensure that other targets assigned such as Forex, Cards are met through NTB customers.
• Ensure that Asset cross-sell is done basis target assigned (if applicable in respective branches)
• Share customer insights/product related feedback with the Sales Manager - Liabilities

Customers

• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
• Reduce customer dormancy and customer attrition by continuous engagement / interaction
• Resolve customer queries on all products offered by the bank.

Internal Processes

• Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
• Strictly adhere & maintain compliance to KYC norms
• Drive the usage of alternate channels such as Internet Banking, Mobile Banking, Rewards Program, ATM etc.
• Adhere to all laid out Rules, Regulations and Internal procedural guidelines with utmost integrity.

Learning & Performance

• Maintain up-to-date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch
• Ensure adherence to training man-days/ mandatory training programs for self

Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate, preferably in commerce and related streams

Experience

• 3-5 year experience, preferably in sales

Certifications

• AMFI & IRDA Certified

Functional Skills

• Basic knowledge on retail banking products
• Documentation skills
• Process compliance focus
• Communication skills: fluent in the local language
• Basic knowledge on Competition’s offerings

Behavioral Skills

• Courteous customer service skills
• Time Management
• Selling skills
• Telephonic cold calling skills
• Willingness to travel & relocation as per business requirements and career opportunities

Competencies

• Planning & Organizing
• Driving Execution
• Managing Relationships
• Customer Focus

KEY INTERACTIONS

INTERNAL

EXTERNAL

• Branch Team – Unsecured Loans Officials; Secured Loans Officials; Operations team
• Regional Product & Marketing team
• State HR
• Customers

PREPARED BY: Sanat

DATE: 21-06-2025

LAST UPDATED BY: TM Team

DATE: 30-06-2025