EEG-RM Working capital

HDFC Bank Limited; Kamrup Metropolitan, Kolkata District, Patna; On-site; INR 900,000 - 1,200,000; Full time

Job summary

HDFC Bank Limited invites applications for the RM-EEG role within the Emerging Enterprises Group. The position reports to the Territory Head and operates across Kolkata, Guwahati, and Patna, focusing on sales and integrated relationship management.

The role is an individual contributor position requiring proactive leadership in branch engagement and client coordination. The candidate will drive lead generation, cross-selling opportunities and renewal activities, while ensuring documentation, KYC

Responsibilities

• Plan branch visits and coverage weekly.
• Meet branches during morning sessions and branch reviews.
• Coordinate lead generation and joint calls with RM/PB.
• Ensure activation of RM/PB from activities and review performance.
• Manage CRM daily, track leads and follow-up dates.
• Coordinate with customers for documents and pickups.
• Handle renewals, orders, and documentation checks.
• Review churn and banking statements for accounts and assets.

Job description

Job Name RM-EEG
Job Title : RM-EEG
Business Unit: Emerging Enterprises Group
Team : Emerging Enterprises Group
Reports to (job) : Territory Head
Location of role : Kolkata, Guwahati, Patna
Job Function : Sales
Role Type: Individual contributor

Job Purpose

To run initiatives in line with key objectives of the Business in order to attain the banks objective of business leadership.

Key Responsibility Areas :

Branch Management

• Plan the branch visits detailing the coverage every week
• Meeting the branches during the morning meeting - every
• branch once a month
• Scoping the RM/PB customer for lead/joint calls OR make use
• of available resources in the branch for leads/joint calls
• Planning the catchment area activity/scoping for lead
• generation/joint call
• Ensure RM/PB activation from the activities above and
• review of branch performance/resource wise
• performance/review with CH as and when required.
• Creating excitement in branches/spot
• sanctions/contests/recognition program
• Check CRM daily and review the leads/update follow up
• leads/with dates
• Document branch meeting through Cogent/mails
• Lead generation/logins
• 1. Planning the above so that it translates into 2 calls per day/2 appointments per day
• 2. Send the communication to the customer on documents required
• 3. Follow up the on the calls made for documents/arrange for pickup of documents
• 4. Check for completeness of documents
• 5. Go through the Financials/bank statements for churn/bounces/interest servicing
• 6. Collection of property documents for legal/valuation - check for completeness chain docs etc.
• 7. KYCs
• 8. List down the points to be clarified from the customer
• 9. Fill in the FAQs post discussion with the customer
• 10. SPE updation
• 11. Submission of file to ops for scanning
• 12. Submission of docs for legal/valuation
• 13. Co-ordination with customer/valuer
• 14. Buyer/supplier ref check -----> Ref leads

Cross Selling Renewals

• 1. To be the one-stop shop for each of our EEG clients and provide suitable gamut of financial products such as Insurance, CASA, Credit Cards, Other Assets Products as required by the customer.
• 2. Monitor and track Leads.
• 1. List down the renewals every month for the next two months
• 2. Work on the renewals in advance
• 3. Mail to the respective customers on docs required for renewal
• 4. Follow up weekly twice for docs
• 5. Arrange for collection of documents
• 6. Check the documents for completeness
• 7. Study the financials/bank statements/churn/interest servicing/aberrations from the stated nos
• 8. Speak to the customer for addressing issues/aberrations
• 9. SPE
• 10. Hand over to ops for scanning
• 11. follow post login formalities
• 12. For renewals overdue and having genuine delay put up for extensions

CAM conditions review/OBA review

• 1. Churn review for OBA once a month
• 2. Conditions review once a month
• 3. If OBA waiver required/check for justification/check for churn/put up to the authority
• 4. If not inform the customer on closure of OBA/levy of 2% penalty
• 5. Same for CAM conditions

Call Memos

• 1. List down the call memos due for the quarter
• 2. Review of ASR/ACR/cam conditions/deferrals for the customers
• 3. Meet the customer and understand the business/issues if any
• 4. Upload the call memos in shock and awe for endorsement/noting

Portfolio Management and Housekeeping (HK)

Stock insurance/property insurance

• 1. Reduce HK.
• 2. Closure of critical and high aging items
• 1. Communicate the premium to the customer after listing down the pendency
• 2. Collect docs if required
• 3. Submission to OPS

Delinquency management

• 1. Depending upon severity of each case - Customer Call for servicing Interest.
• 2. Email communication to Branch & customer
• 3. Personal Visit to Customer / Joint Visit with Credit Manager;
• 4. Rigorous follow-up

Complaints : CRM / MD / PNO / CRO

• 1. Analyze complaint
• 2. Seek resolution post discussing with Customer