Relationship Manager-Current Account

IDFC FIRST Bank; Maharashtra; On-site; INR 550,000 - 850,000; Full time

Job summary

IDFC FIRST Bank is seeking a Relationship Manager – Current Account to manage a portfolio of clients, drive CASA balance growth, and expand product penetration through cross-selling. You will handle routine banking transactions, ensure compliance, and deliver exceptional service to clients.

The role emphasizes building strong client relationships, profiling customers, and promoting digital onboarding with Mobile/Net Banking, SIPs, loans, and investment services.

Qualifications

• Graduate in any discipline.
• Postgraduate in any field (preferred).
• Prior experience in branch banking or customer relationship roles is preferred.

Responsibilities

• Drive CASA value build-up and acquire new clients.
• Engage clients to facilitate cross-selling of banking products.
• Increase product holding per customer.
• Profile engaged clients and present banking solutions.
• Promote digital onboarding and use of Mobile/Net Banking.
• Ensure adherence to policies and compliance.

Skills

Customer service

Relationship mgmt

Cross-selling

Digital platforms

Compliance

Education

Bachelor's degree

Postgraduate preferred

Job description

Job Requirements

About the Role

TheRelationship Manager – Current Accountis 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

• 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.

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