Business Development Relationship Manager

Ujjivan Small Finance Bank; Rajkot; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank invites applications for a Business Development Relationship Manager in Branch Banking. Based at a Branch, the role focuses on acquiring Priority/HNI customers for liabilities, managing relationships, and driving NTB activity.

You will plan activities to meet liability targets, promote digital banking, and cross-sell insurance, mutual funds, SIPs, and other products. The position requires 3–5 years of sales experience, AMFI/IRDA certifications, and a customer‑centric

Qualifications

• Graduate with commerce background and relevant experience.
• 3–5 years of experience in sales, preferably in financial services.
• AMFI & IRDA certifications are required.
• Fluent in the local language with strong communication skills.
• Knowledge of retail banking products and competitive offerings.

Responsibilities

• Meet targets for liabilities by acquiring Priority/HNI customers from open market.
• Plan and execute activities to generate new Priority/HNI customers.
• Drive digital adoption for onboarded customers across channels.
• Achieve cross-sell targets for Life, General, Health Insurance, Mutual Funds, SIP, etc.
• Meet other targets like Forex and Cards through NTB customers.
• Cross-sell assets where applicable and share customer insights with Sales Manager.

Skills

Retail banking knowledge

Documentation skills

Process compliance focus

Communication skills

Knowledge of competitors' offerings

Education

Graduate in commerce or related streams

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