Relationship Manager-Current Account

Idfc First Bank Limited; Bengaluru; On-site; INR 500,000 - 900,000; Full time

Job summary

Idfc First Bank Limited is seeking a Relationship Manager – Current Account to manage a client portfolio, drive CASA balances, and cross-sell banking products. The role emphasizes client engagement, digital onboarding, and compliant service delivery across branch operations.

The candidate should possess a graduate degree (postgraduate preferred) with prior branch banking or relationship experience and fluent English for business communication.

Qualifications

• Graduate in any discipline; Postgraduate in any field preferred.
• Prior experience in branch banking or customer relationship roles is preferred.
• Fluent in English with strong business communication skills.

Responsibilities

• Drive CASA value build-up and acquire new clients as per branch targets.
• Ensure effective client engagement to facilitate cross-selling of banking products.
• Increase product holding per customer within the assigned portfolio.
• Profile all engaged clients and present suitable banking solutions.
• Promote digital onboarding and usage of services such as Mobile/Net Banking, Bill Pay, SIPs, Insurance, Investments, Retail and SME Loans.
• Meet monthly operating plans to improve scorecard performance and decile rankings.
• Coordinate with relationship managers to close business loans, working capital requirements, POS, CMS, and trade transactions generated through client engagement.
• Ensure quick resolution of customer queries and complaints to meet Net Promoter Score (NPS) benchmarks.
• Act as custodian of the branch vault, managing vault limits, cash, and non-cash transactions.
• Ensure zero instances of cash shortage or excess at the teller counter.
• Regularly update key registers and review branch reports such as EOD cash position, LTR, and instruments issued.
• Monitor and reconcile dummy accounts, suspense accounts, deferred accounts, and accounts payable/receivable as per required formats.
• Ensure strict adherence to bank policies and compliance standards.
• Conduct audits and ensure compliance with internal and external regulations.
• Deliver best-in-class customer service to become the primary banker for clients.

Skills

Customer service

Relationship management

Cross-selling

Attention to detail

Operational discipline

Banking systems

Digital platforms

Problem-solving

Compliance

English proficiency

Education

Graduate degree

Postgraduate degree

Job description

Job Requirements

About the Role

The Relationship Manager – Current Account is responsible for managing a portfolio of clients to ensure superior service delivery and drive cross-selling of banking products. The role focuses on building CASA (Current Account Savings Account) balances, acquiring new clients, and enhancing product penetration per customer. It also involves handling routine banking transactions, managing branch deliverables, and ensuring compliance with operational standards.

Key Responsibilities

Primary Responsibilities

• Drive CASA value build-up and acquire new clients as per branch targets.
• Ensure effective client engagement to facilitate cross-selling of banking products.
• Increase product holding per customer within the assigned portfolio.
• Profile all engaged clients and present suitable banking solutions.
• Promote digital onboarding and usage of services such as Mobile/Net Banking, Bill Pay, SIPs, Insurance, Investments, Retail and SME Loans.
• Meet monthly operating plans to improve scorecard performance and decile rankings.
• Coordinate with relationship managers to close business loans, working capital requirements, POS, CMS, and trade transactions generated through client engagement.
• Ensure quick resolution of customer queries and complaints to meet Net Promoter Score (NPS) benchmarks.
• Act as custodian of the branch vault, managing vault limits, cash, and non-cash transactions.
• Ensure zero instances of cash shortage or excess at the teller counter.
• Regularly update key registers and review branch reports such as EOD cash position, LTR, and instruments issued.
• Monitor and reconcile dummy accounts, suspense accounts, deferred accounts, and accounts payable/receivable as per required formats.
• Ensure strict adherence to bank policies and compliance standards.

Secondary Responsibilities

• Conduct audits and ensure compliance with internal and external regulations.
• Deliver best-in-class customer service to become the primary banker for clients.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate in any field (preferred).

Experience

• Prior experience in branch banking or customer relationship roles is preferred.

Skills and Attributes

• Strong customer service and relationship management skills.
• Ability to cross-sell banking products effectively.
• High attention to detail and operational discipline.
• Familiarity with banking systems and digital platforms.
• Strong problem-solving abilities.
• Commitment to compliance and ethical standards.
• Fluent in English with strong business communication skills