Preferred Rm, Imperia RM-(Portfolio & Sales-No Operations)-Central

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

Job summary

HDFC Bank is seeking an experienced professional to acquire, manage and deepen relationships with high-net-worth individuals under the Preferred/Imperia programs. You will act as the primary contact for all financial and service needs, aiming to increase wallet share and portfolio size.

Responsibilities include regular client interactions, cross-selling banking products, advisory support, and strict adherence to KYC/AML norms. A strong sales mindset and in-depth product knowledge are essential.

Qualifications

• Bachelor's degree required; postgraduate degree preferred.
• Strong sales and relationship-building capabilities across banking products.

Responsibilities

• Acquire, manage, deepen and retain HNI customer relationships under Preferred/Imperia programs.
• Act as single point of contact for all financial and service needs of mapped customers.
• Enhance profitability by increasing wallet share, product penetration and book size.
• Cross-sell bank and third-party products based on customer needs.
• Promote digital banking channels and ensure smooth handover of portfolios.
• Provide tailored financial solutions and advisory services in collaboration with Wealth, Treasury and Product teams.
• Ensure error-free documentation and adherence to KYC/AML norms.

Skills

Sales skills

Banking product knowledge

Communication skills

Portfolio management

NRI regulation knowledge

Education

Graduation mandatory; post-graduation preferred

Job description

Role & responsibilities

ROLE PURPOSE

• Acquire, manage, deepen and retain HNI customer relationships under Preferred/Imperia programs.
• Act as the single point of contact for all financial and service needs of mapped customers.
• Enhance relationship profitability by increasing wallet share, product penetration and overall book size.

KEY RESPONSIBILITIES

HNW PORTFOLIO MANAGEMENT

• Acquire new HNI customers meeting Preferred/Imperia programme criteria.
• Conduct regular interactions to understand client needs and update financial profiles.
• Enhance portfolio value, book size and ensure hygiene metrics (KYC/AML/5S compliance).
• Manage attrition and achieve monthly and yearly revenue targets.

SALES, CROSSSELL & PRODUCT PENETRATION

• Crosssell bank and thirdparty products based on customer needs.
• Increase wallet share and drive higher product penetration across customer groups.
• Improve IPGH (Income Generating Product Holdings).
• Conduct joint calls with supervisors where required.

CUSTOMER SERVICE & EXPERIENCE

• Deliver high-quality customer service; resolve queries and complaints within defined TAT.
• Provide timely updates on regulatory and process changes to customers.
• Promote digital banking channels for convenience and service efficiency.
• Ensure smooth handover/takeover of customer portfolios.

ADVISORY & RELATIONSHIP DEEPENING

• Recommend tailored financial solutions (investment planning, asset allocation, risk management).
• Partner with Wealth, Treasury and Product teams for advanced advisory services.
• Strengthen relationships through proactive communication and need-based engagement.

OPERATIONS, COMPLIANCE & DOCUMENTATION

• Ensure error-free documentation for account opening and customer service requests.
• Strictly adhere to KYC/AML norms and all internal compliance standards.
• Maintain accurate records and follow all operational processes meticulously.

SKILLS & COMPETENCIES

• Strong sales and influencing abilities.
• Excellent knowledge of banking products, customer segments and market trends.
• Exceptional communication and relationship-building skills.
• Strong planning, organizing and portfolio management capabilities.
• NRI product and regulatory knowledge (especially relevant for Imperia RM roles).

EDUCATION & CERTIFICATIONS

• Graduation mandatory; post-graduation preferred.
• Preferred certifications: AMFI, IRDA, NCFM and NRI regulatory knowledge.