EEG RM-Working capital

HDFC Bank Limited; Ludhiana; Vor Ort; INR 600.000 - 1.000.000; Vollzeit

Zusammenfassung

HDFC Bank Limited in Ludhiana is seeking an RM-EEG to drive sales within the Emerging Enterprises Group. You will plan branch visits, generate leads, and coordinate with branches for joint calls and document collection.

The role is an individual contributor, requiring 1-3 years of experience, travel readiness, and strong interpersonal skills. You will handle renewals, cross-sell banking products, and maintain close liaison with branches, product teams, and operations.

Qualifikationen

• Educational background CA or MBA preferred.
• 1-3 years total work experience in sales/relationship roles.
• Willingness to travel frequently for work in assigned location.
• Ability to coordinate with multiple teams including branches, ops and product team.

Aufgaben

• Plan branch visits and aim for two calls per day with appointments.
• Lead generation through branch activity and customer interactions.
• Coordinate with branches for joint calls, lead follow-up and document collection.
• Monitor renewals, cross-sell products and manage churn/servicing with stakeholders.

Kenntnisse

Interpersonal Skills

Ausbildung

CA/MBA

Jobbeschreibung

Classification - Confidential

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 : Ludhiana

Job Function : Sales

Role Type: Individual contributor

*IC Individual contributor

Job Band Range : E1 E4

Travel Required: Moderate , candidates should be comfortable in travel for work in assigned location.

Vehicle- Two-wheeler or four-wheeler mandatory

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

• Actionable
• 1
• Plan the branch visits detailing the coverage every week
• 2
• Meeting the branches during the morning meeting - every
• branch once a month
• 3
• 4
• 5
• 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.
• 6
• 7
• 8
• 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

Classification - Confidential

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
• Classification - Confidential

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)

• 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

Key Skills

Educational Background C.A, MBA,

Interpersonal Skills

Graduate

Coordination with multiple teams & multiple activities

Ability to work under pressure.

Experience Required

• Total Work experience 1-3 years

Major Stakeholders

• Branch Banking Team
• Operations
• Product Team
• Credit