Relationship Manager - Branch Banking

Ujjivan Small Finance Bank Ltd.

Anand

On-site

INR 600,000 - 900,000

Full time

3 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Relationship Manager-Branch Banking to manage and grow the branch customer portfolio. The role focuses on servicing mapped CASA customers, acquiring new to bank clients, and cross-selling products such as SA/CA/FD, life insurance, and loans.

You will maintain complete relationship records, ensure compliance, and promote brand awareness while delivering value-added customer service and revenue growth.

Qualifications

Graduate with MBA/PGDM preferred.
3–4 years of banking experience managing privileged/mapped clients.
AMFI/IRDA certification is desirable.
Good knowledge of branch banking and liability products.
Strong relationship management and sales capabilities.

Responsibilities

Manage portfolio of 120–150 accounts in the branch and acquire new to bank customers.
Achieve pre-fixed net bank deposits growth (CASA) and FD targets annually.
Drive monthly additions of SA and CA accounts; promote product suites.
Set up meetings with clients and offer SA/CA/FD, life insurance, and loan products.
Ensure timely responsiveness and high quality customer experience.

Skills

Branch banking knowledge

Relationship management

Sales skills

Customer service orientation

Analytical skills

Leadership experience

Delivery/execution

Cross-functional collaboration

Communication skills

Problem solving

MS Office / digital ops

Education

MBA / PGDM (preferred)

AMFI / IRDA Certification

Job description

Job Description

Job Details

JOB TITLE: Relationship Manager-Branch Banking
GRADE: M
DEPARTMENT: Branch Banking
LOCATION: Branch
SUB-DEPARTMENT: TYPE OF POSITION: Full-time
REPORTS TO: Branch Manager
REPORTING INTO: NA

POSITION DESCRIPTION

ROLE PURPOSE & OBJECTIVE

The incumbent will be primarily responsible for providing Financial solutions to meet the requirements of the existing Mapped customers and ensure value added customer service as well as acquiring New to Bank CASA Customers.
Responsible for handling the portfolio of existing Mapped CASA customers and generating revenue / book growth
Responsible for increasing Liabilities book size of relationships via balances in accounts of existing mapped CASA customers or through Term Deposits, Cross selling of MF / Insurance, Loan products, acquiring family accounts and retaining the relationship
To acquire pre-fixed New to Bank CASA customers through Open Market referrals / Referrals from existing CASA client base / BTL Initiatives & other tie ups
Should be in close contact with the existing customers through personal visits, mailers and phone calls and share insights on the fluctuations in interest rates, FD rates and various product offerings.
Informs customers of new products or product enhancements to further expand the banking relationship.
Maintains complete relationship record for assigned customer accounts.
Ensure continuity of high quality service, product delivery, and responsiveness to customer needs
Tracks customer complaints/queries and turnaround times for customer satisfaction.
Responsible to be abreast with all policies relating to operational risk, sales processes, mis-selling etc and ensure compliance with the same.
Develop effective ways to promote Brand awareness & Product proposition that lead to measurable business results

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Entire liability target for the branch
CASA Book – as per the branch
TASC Book – as per the branch
BB-FIG Book – as per the branch
Segment wise book (NR, Senior Citizen, HNI etc) – as per the branch
Number target for all the respective products.
CA
SA
TASC
Snr Citizen
HNI
NR
Manage portfolio of assigned branch customer holders

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Responsible annually to manage existing portfolio and acquire a new to bank portfolio of around 120 -150 Accounts.
Expected to achieve the pre-fixed Net Book/ deposits growth (CASA Values & FD) for the year
Expected to achieve the MOM addition of SA & CA Accounts
Setting up meetings with prospective customers, ensuring that the clients are offered all products from Ujjivan including SA /CA / FD / Life Insurance/ Loan Products etc.
Managing the portfolio of the customers on-boarded; ensuring their queries & requests are addressed on a timely manner; there by resulting in superior Customer Experience

Customer

Resolution of Queries / Requests that may come from managed CASA clients; adhering to the TAT
Providing the best alternate channel experience for the customer through IB / MB/ CIB & Phone Banking
Provide Doorstep service to managed customers, where-ever required
Implementing necessary training for staffs to enable them to handle managed customers

Internal process

Streamlining the process of customer on-boarding and ensuring seamless process during the same
Working towards eliminating bottlenecks in the Account Opening process and rejuvenating the customer journey with Ujjivan
Conversion of all form based processing to digital process, with minimal documentation in the long run
Responsible for updating and maintaining all Managed Customer upsell related MIS as well as New Customer acquisition done by RM (Calls, Prospects, Meetings, Business Conversions)

Learning & Performance

Ensure adherence to training man-days/ mandatory training programs for self
Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines
Timely training of Branch staff, so as to ensure product knowledge & change in processes are communicated in a timely manner
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate, with a Masters or MBA / PGDM Preferred.

Experience

Preferred experience of 3 - 4 years in Banking specific managing Privileged / Mapped clients

Certifications

AMFI / IRDA Certified

Functional Skills

Good knowledge of Branch Banking & Liability products
Service Oriented
Analytic and technology oriented
Good Relationship Management skills with existing & new Customers
Demonstrated leadership experience in interacting with cross-functional teams with a sound understanding of key business drivers

Behavioral Skills