RBB-Current Account Relationship Manager

Hdfc Bank; Chennai District; On-site; INR 500,000 - 700,000; Full time

Job summary

Hdfc Bank in Chennai is seeking a CARM for Retail Branch Banking to drive customer engagement and enhance relationship value, achieving business targets via sales and service excellence and digital migration.

You will engage customers, tailor banking solutions, promote digital channels, and collaborate with Branch Banking and related teams to maintain portfolio health. Graduation is required; Post-graduation preferred, with Sales/Banking certifications expected.

Qualifications

• Graduation required; Post-graduation preferred.

Responsibilities

• Customer Engagement: Ensure Customer Engagement responsibilities are completed.
• Customer Service: Conduct personal visits at pre-defined frequency; build relationships and resolve queries.
• Enhance Relationship Value: Offer products for family and business banking; maximize value including Group Firms.
• Product Penetration: Understand customer profiles; provide Trade Finance, Forex, Loans, and Insurance solutions.
• Migration to Digital Platform: Promote Net Banking and Mobile Banking; encourage transaction migration.
• Central Initiatives: Maintain portfolio health through activation and balance maintenance.

Skills

Sales and Influencing

Planning and Organizing

Communication

Banking Product Knowledge

Knowledge of Competition

Education

Graduation

Post-graduation

Job description

Job Title

CARM

Business Unit

Retail Branch Banking

Reporting To

Branch Manager

Job Function and Role Type

Sales, Individual Contributor

Job Purpose

Drive customer engagement, enhance relationship value, and achieve business targets through sales and service excellence. Ensure portfolio health and migration to digital platforms.

Key Responsibilities

Customer Engagement

• Ensure Customer Engagement responsibilities are completed.

Customer Service

• Conduct personal visits at pre-defined frequency.
• Build strong customer relationships to ensure engagement.
• Resolve customer queries and service requirements proactively.
• Customize products to ensure primary banking behavior.

Enhance Relationship Value

• Offer suitable products for family and business banking needs.
• Maximize relationship value, including Group Firms.

Product Penetration

• Understand customer profiles and business requirements.
• Provide solutions like Trade Finance, Forex, Loans, and Insurance.

Migration to Digital Platform

• Promote digital banking channels like Net Banking and Mobile Banking.
• Encourage transaction migration based on customer preferences.

Central Initiatives

• Maintain portfolio health through account activation and balance maintenance.
• Act on central triggers and customer service initiatives.

Education

Graduation required; Post-graduation preferred.

Certifications

Sales and Influencing Skills, Banking Product Knowledge, Communication.

Key Competencies

Sales and Influencing, Planning and Organizing, Communication, Knowledge of Competition, Banking Product Knowledge.

Major Stakeholders

Customers, Branch Banking Team, TPP Team, Asset Team.

Required Skills

Refer to the Job Description