Relationship Manager - Business Banking

SkillLabs; Tijara; On-site; INR 700,000 - 1,200,000; Full time

Job summary

SkillLabs is seeking a Banking Relationship Manager to drive asset growth, portfolio management, and liability growth across NTB and existing clients in a financially disciplined environment. The role focuses on expanding asset product mix, maintaining revenue plans, and engaging with branches to deliver a full suite of banking products including CA, SA, FD, and salary accounts.

You will monitor performance, coordinate with Credit and Operations for timely disbursements, and push digital

Qualifications

• Relationship building with both internal and external customers
• Preparation of CAM, engaging with Credit for approval, and engaging with Operations for disbursement and ensuring defined TAT’s
• Initiatives, process innovation beyond normal work
• Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEM’s
• To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding
• To track Market and Competition
• Product Holding per client

Responsibilities

• Identifying potential and scoping the clients for Asset growth (Budgeting)
• Ensure YoY Asset growth in line with verticals targets
• Responsible for managing the accounts/ clients for desired asset growth as per plan for the year
• Increasing Asset Product Mix for the client – CC/OD/WCDL/TL/DRUL etc
• Increasing the asset book by acquiring new customers (NTB)
• Portfolio monitoring and review (ALM/ Tableau/ Business MIS)
• Planning the income targets at start of the financial year
• Ensure YoY Income growth in line with verticals targets
• Portfolio monitoring to meet the MoM revenue plans. Tracking of performance at regular intervals to monitor income variance with budgets; formulating and implementation of plans to meet income targets for the portfolio
• Monitor and deliver on Incremental/ Portfolio Yield as per Plan
• Revenue maximization through offering of right mix of Products as per customer’s needs.
• To ensure Fee and other income growth including NFB income lines mix and growth
• To meet Liability growth in line with Assets growth to meet the Self-Funding Plan for the year
• To be the face of the Bank for all products and services that a customer needs viz CA/ SA/ FD/ Customers Salary Account etc
• To engage continuously with Bank Branch Channel to ensure delivery of product/ services
• To plan and meet Key Objectives set for the year by senior management which need special focus by team.
• To promote KOs like Cross sell of Bank products , driving branch business etc
• To ensure PSL/Agri targets of the portfolio is achieved
• Engaging customers for Promotion of digital drives of the Bank like Enet/NetBanking, TON, SME digital, Mobile Banking,Insta Alert, etc from time to time.
• Relationship building with both internal and external customers
• Ensuring and tracking required client calls for both existing and prospective clients on CRM.
• Preparation of CAM, engaging with Credit for approval, and engaging with Operations for disbursement and ensuring defined TAT’s
• Initiatives, process innovation beyond normal work
• Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEM’s.
• To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding
• To track Market and Competition
• Product Holding per client
• To keep proper track on Housekeeping for the Healthy portfolio
• PDD, Deferrals, to be ensured within defined levels
• ORMC deferrals to be nil
• Management of stress and critical accounts, timely exits and resolving the NPA/ Write-off cases
• Managing Call Memo, CAM renewals, minimum SRM
• Ensure that business is conducted as per Banks and RBI guidelines

Skills

Relationship building

CRM usage

Portfolio management

Credit approvals coordination

Tools

Tableau

ALM

Business MIS

Job description

• To achieve over all business targets on volumes and profitability for the specific and NTB customers for Infrastructure Finance Group.
• Ensure Portfolio Growth and Management in line with business segment’s objectives

Job Purpose

• To achieve over all business targets on volumes and profitability for the specific and NTB customers for Infrastructure Finance Group.
• Ensure Portfolio Growth and Management in line with business segment’s objectives

Job Responsibilities

Asset Growth

• Identifying potential and scoping the clients for Asset growth (Budgeting)
• Ensure YoY Asset growth in line with verticals targets
• Responsible for managing the accounts/ clients for desired asset growth as per plan for the year
• Increasing Asset Product Mix for the client – CC/OD/WCDL/TL/DRUL etc
• Increasing the asset book by acquiring new customers (NTB)
• Portfolio monitoring and review (ALM/ Tableau/ Business MIS)

Core Income

• Planning the income targets at start of the financial year
• Ensure YoY Income growth in line with verticals targets
• Portfolio monitoring to meet the MoM revenue plans. Tracking of performance at regular intervals to monitor income variance with budgets; formulating and implementation of plans to meet income targets for the portfolio
• Monitor and deliver on Incremental/ Portfolio Yield as per Plan
• Revenue maximization through offering of right mix of Products as per customer’s needs.
• To ensure Fee and other income growth including NFB income lines mix and growth

Liability

• To meet Liability growth in line with Assets growth to meet the Self-Funding Plan for the year
• To be the face of the Bank for all products and services that a customer needs viz CA/ SA/ FD/ Customers Salary Account etc
• To engage continuously with Bank Branch Channel to ensure delivery of product/ services

Key Objectives

• To plan and meet Key Objectives set for the year by senior management which need special focus by team.
• To promote KOs like Cross sell of Bank products , driving branch business etc
• To ensure PSL/Agri targets of the portfolio is achieved
• Engaging customers for Promotion of digital drives of the Bank like Enet/NetBanking, TON, SME digital, Mobile Banking,Insta Alert, etc from time to time.

Qualitative objectives

• Relationship building with both internal and external customers
• Ensuring and tracking required client calls for both existing and prospective clients on CRM.
• Preparation of CAM, engaging with Credit for approval, and engaging with Operations for disbursement and ensuring defined TAT’s
• Initiatives, process innovation beyond normal work
• Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEM’s.
• To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding
• To track Market and Competition
• Product Holding per client

Housekeeping

• To keep proper track on Housekeeping for the Healthy portfolio
• PDD, Deferrals, to be ensured within defined levels
• ORMC deferrals to be nil
• Management of stress and critical accounts, timely exits and resolving the NPA/ Write-off cases
• Managing Call Memo, CAM renewals, minimum SRM
• Ensure that business is conducted as per Banks and RBI guidelines