Relationship Manager - HNI - Branch Banking

SkillLabs; Amritsar; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

SkillLabs is seeking a Relationship Manager to drive high-net-worth client acquisition, deepen existing relationships, and cross-sell bank products. You will liaise with branches, maintain KYC/AML compliance, and work to maximize wallet share across HNW portfolios.

Ideal candidates will have strong sales skills, knowledge of NRI products and regulations, and experience in portfolio management within a banking environment.

Qualifications

• Experience in acquiring high-net-worth clients and managing banking relationships.
• Familiarity with bank products and cross-selling strategies.
• Knowledge of regulatory requirements for NRI clients and investment products.

Responsibilities

• Acquire new HNW relationships for the bank.
• Be the single point of contact for customer financial needs; expand relationship value.
• Cross-sell bank products based on customer needs and profile updates.
• Maintain KYC/AML norms and accurate documentation for accounts.
• Highlight opportunities to increase wallet share through family networks.

Skills

Sales & Influencing skills

Banking product & process knowledge

NRI product & regulatory knowledge

Planning & organizing skills

Good communication skills

Knowledge of competition & trends in金融

IRDA Certification

NCFM Certification (Optional)

Exposure to portfolio management

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