Relationship Manager - HNI - Branch Banking

SkillLabs; Bathinda; On-site; INR 600,000 - 1,100,000; Full time

Job summary

SkillLabs is seeking a relationship manager focused on HNW customers in Punjab to acquire and enhance high-net-worth relationships. The role emphasizes cross-selling, advisory services, and maintaining portfolio health while liaising with branch teams to ensure compliant and profitable outcomes.

The position requires strong sales acumen, knowledge of banking products and regulations, and the ability to sustain proactive client communications and service excellence.

Qualifications

• Experience in HNW portfolio management and client acquisition.
• Familiarity with KYC/AML norms and regulatory guidelines.
• Ability to network with branch staff and cross-sell financial products.

Responsibilities

• Acquire and onboard HNW customers and increase wallet share.
• Cross-sell bank products based on client needs.
• Maintain portfolio size and profitability through advisory services.
• Liaise with branch staff to flag eligible HNW customers.
• Achieve monthly and yearly revenue targets.
• Ensure error-free documentation and adherence to KYC/AML norms.
• Provide proactive customer service and timely communications.
• Promote direct banking channels to customers.

Skills

Sales and Influencing Skills

Banking Product & Process Knowledge

NRI Product and Regulatory Knowledge

Planning and Organizing Skills

Good Communication skills

Knowledge of Competition & CurrentTren

IRDA Certification

NCFM Certification

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