Relationship Manager - Business Banking

SkillLabs; Tijara; Presencial; INR 1.200.000 - 1.800.000; Jornada completa

Descripción de la vacante

SkillLabs Resource Services Pvt. Ltd. seeks a seasoned banking professional to drive asset growth, liability expansion, and core income across MSME/agri segments in the Infrastructure Finance Group.

You will coordinate with branch channels, identify prospects, monitor performance, and ensure timely disbursements and revenue generation through the right mix of products while maintaining governance and risk controls.

Responsabilidades

• Asset Growth: Identifying potential and scoping clients for asset growth (Budgeting); Ensure YoY asset growth in line with verticals targets; Managing accounts/clients for desired asset growth as per plan for the year; Increase asset product mix (CC/OD/WCDL/TL/DRUL); Acquire NTB clients; Portfolio monitoring and review (ALM/Tableau/Business MIS)

Descripción del empleo

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