Relationship Manager - HNI

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

Job summary

SkillLabs is seeking a Relationship Manager to onboard and manage HNW clients, aiming to maximize profitability through relationship deepening and cross-selling across bank products. The role requires strong relationship-building, advisory skills, and regulatory awareness.

The RM will work with bank branches to identify eligible customers, maintain portfolio quality, and meet revenue targets while ensuring high customer satisfaction and adherence to KYC/AML norms.

Qualifications

• Proven sales and client-handling capabilities in banking.
• Strong understanding of HNW portfolio requirements and advisory needs.
• Familiarity with KYC/AML norms and regulatory expectations.

Responsibilities

• Acquiring new HNW relationships and expanding the wallet share.
• Liaising with branch staff to identify eligible HNW customers.
• Cross-selling bank products tailored to customer needs.
• Provide advisory services based on customer requirements and goals.
• Achieve monthly and yearly revenue targets.
• Maintain portfolio quality and hygiene standards.
• Conduct joint calls with supervisors as per process.
• Provide timely and proactive customer service and smooth handovers.

Skills

Sales & Influencing

Banking product knowledge

NRI product & regulatory knowledge

Planning & organizing

Effective communication

Market trends in finance

IRDA certification

NCFM certification (optional)

Portfolio management exposure

Job description

Roles And Responsibilities

Job Purpose

• Responsible for including HNI customers into the HNW Programe and offering them a superior customer experience to enhance the profitability of the relationship by increasing the relationship size, cross selling the Right products, acquiring family a/c's ,retaining and enhancing the relationship. The RM is also responsible for
• Acquiring new Bank's HNW relationships.
• To be a one point contact for all his financial needs and services, thus enhancing current relationship value and wallet share which will further increase profitability from these relationships.

(HNW Portfolio Management - Acquiring, Enhancing, Deepening and Retention)

• Liaising with branch staff to flag eligible customers form HNW portfolio
• Acquire new customers who meet product criteria
• Regular interaction with the customer to build rapport to understand and update the profile.
• Enhance the Overall value/book size of the portfolio
• Maintain the overall quality / hygiene parameters of the portfolio
• Cross selling products of the bank based on the customer need
• Joint calls being done along with Supervisor as per defined process
• Advisory services to be offered based on the requirement
• Achieving MTD and YTD Revenue Targets
• Attrition control of customers

Operations, Marketing & Processes

• Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc)
• Ensure KYC / AML norms are adhered to at all points of time
• Ensure that norms are adhered to for individuals workstation

Increase In Wallet Share

• Look for opportunities to cross sell any other product of the Bank, to ensure that Bank is a one stop shop & solution for all banking needs of the HNW Customer
• Sales to family members and associates (all network)
• Ensure that optimal levels of Income generating is reached
• Product Penetration & contribution towards focused product

Customer Service

• Ensure quality customer service is delivered. All customer queries and complaints are being resolved within TAT.
• Customer is informed about any regulatory or process change. Keep the customer updated on program features.
• Ensure timely customer communication on requests and concerns raised.
• Proactive complaint management through feedback from customers.
• Promoting all direct banking channels and ensuring that the customer is utilizing the same
• Ensure smooth transition of handover/takeover of the portfolio

Key Skills

• Sales and Influencing Skills
• Banking Product & Process Knowledge
• NRI Product and Regulatory Knowledge
• Planning and Organizing Skills
• Good Communication skills
• Knowledge of Competition & Current trends in financial Industry.
• IRDA Certification
• NCFM Certification (Optional)
• Exposure to Portfolio Management segment