Relationship Manager - HNI - Branch Banking

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

Job summary

SkillLabs in Kolkata seeks an experienced Relationship Manager to onboard and grow HNW relationships, focusing on cross-selling and enhanced wallet share. You will liaise with branches, ensure KYC/AML compliance, and deliver advisory services tailored to high-net-worth clients.

Ideal candidates have deep banking product knowledge, regulatory awareness, and strong communication skills. The role emphasizes portfolio management growth and meeting revenue targets in a banking environment.

Qualifications

• Strong sales and influencing abilities.
• In-depth banking product and process knowledge.
• Knowledge of NRI products and regulatory requirements.
• Excellent planning and organizing skills.
• Excellent communication skills.
• Awareness of competition and current financial industry trends.
• IRDA certification.
• NCFM certification (optional).
• Exposure to portfolio management.

Responsibilities

• Acquire and manage HNW relationships and grow wallet share.
• Cross-sell bank products based on customer needs.
• Coordinate with branch staff to identify eligible HNW clients.
• Ensure KYC/AML compliance at all times.
• Maintain portfolio quality and achieve MTD/YTD targets.
• Provide advisory services per customer requirements.
• Ensure error-free documentation for account openings.
• Promote direct banking channels to customers.
• Facilitate smooth handover of portfolios.
• Achieve revenue targets and manage attrition.

Skills

Sales

Banking product knowledge

NRI product knowledge

Regulatory knowledge

Planning & organizing

Communication skills

Market trends awareness

IRDA certification

NCFM certification

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