Preferred Relationship Manager- Central To South Kolkata-14th Aug

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

Job summary

HDFC Bank in Kolkata seeks an experienced professional to lead HNI relationship management, driving liabilities growth and cross-selling across asset products. You will engage premium clients, review portfolios, and ensure compliance.

The role emphasizes delivering tailored advisory services and maintaining strict KYC/AML standards. The ideal candidate has 7–10 years in retail banking or wealth management, with MBA preferred and AMFI/IRDA certifications advantageous.

Qualifications

• 7–10 years of core experience in retail banking, wealth management or liabilities portfolio handling.
• Graduate degree; MBA preferred.
• Active AMFI and/or IRDA certifications are mandatory or preferred.
• Strong relationship management, communication and interpersonal abilities.
• Good knowledge of Kolkata market dynamics and regulatory guidelines.
• High target orientation with proven sales and revenue milestones.

Responsibilities

• HNI Portfolio Acquisition & Management: Acquire new-to-bank HNI clients meeting Imperia criteria and manage a high-value liability portfolio.
• Liability Growth & Hygiene: Drive growth in CASA and Term Deposits, maintain portfolio hygiene, and manage attrition.
• Cross-Selling & Revenue Generation: Increase IPGH by cross-selling asset products, mutual funds, insurance, and cards.
• Advisory & Customer Engagement: Conduct portfolio reviews and deliver premium service with joint calls to offer tailored advice.
• Operations & Compliance: Ensure flawless account opening documentation and strict KYC/AML adherence; resolve complaints within TAT.

Skills

Relationship management

Communication

Interpersonal skills

Target oriented

Kolkata market awareness

Regulatory compliance

Education

MBA

Graduate degree

AMFI

IRDA

Job description

Key Responsibility

• HNI Portfolio Acquisition & Management: Acquire new-to-bank HNI clients meeting the Imperia program criteria and manage an existing high-value liability portfolio.
• Liability Growth & Hygiene: Drive growth in core liability balances (CASA and Term Deposits), maintain strict portfolio hygiene, and proactively manage attrition/depletion control.
• Cross-Selling & Revenue Generation: Increase Income Generating Product Group Holding (IPGH) by cross-selling asset products, mutual funds, life/general insurance, credit cards, and third-party investment products.
• Advisory & Customer Engagement: Conduct periodic portfolio reviews, deliver premium service standards, and execute joint calls with product specialists to offer tailored financial advisory.
• Operations & Compliance: Ensure flawless execution of account opening documentation, absolute adherence to KYC/AML guidelines, and efficient complaint resolution within defined Turnaround Times (TAT).

Candidate Profile & Requirements

• Experience: 7 to 10 years of core experience in retail branch banking, wealth management, or liabilities portfolio handling with a focus on HNI/UHNI segments.
• Education: Graduate in any discipline; Post-Graduation / MBA is preferred.
• Certifications: Mandatory or preferred active certifications including AMFI and IRDA; specialized knowledge in NRI products is a distinct advantage.
• Key Competencies:
• Exceptional relationship management, communication, and interpersonal capabilities.
• Strong grip on liability products, local Kolkata market dynamics, and regulatory compliance guidelines.
• High target orientation with a proven track record of meeting sales and revenue milestones.