Relationship Manager - HNI - Branch Banking

SkillLabs; Ludhiana; On-site; INR 500,000 - 700,000; Full time

Job summary

SkillLabs is seeking a Relationship Manager specialized in HNW portfolio management to acquire and deepen high-net-worth client relationships in Ludhiana, India. The role emphasizes advisory services, cross-selling, and achieving revenue targets while ensuring compliant documentation and customer experience.

The candidate will liaise with branch teams, manage wallet share, and maintain portfolio hygiene, aiming to position SkillLabs as the one-stop financial partner for HNW clients.

Qualifications

• Sales and relationship-building capabilities with HNW clients.
• Understanding of banking products and processes including KYC/AML where applicable.
• Knowledge of regulatory requirements and certification prerequisites for advisory roles.

Responsibilities

• Include HNI customers into the HNW Programme and enhance profitability by increasing relationship size and cross-selling products.
• Acquire new HNW bank relationships and become the single point of contact for customers’ financial needs.
• Maintain portfolio quality, hygiene, and cross-sell appropriate products; achieve revenue targets.
• Coordinate with branch staff to flag eligible customers; conduct joint calls with supervisors as per process.
• Deliver advisory services and ensure timely, compliant documentation and customer communications.

Skills

Sales and Influencing Skills

Banking Product & Process Knowledge

NRI Product and Regulatory Knowledge

Planning and Organizing Skills

Good Communication skills

Knowledge of Competition & Currenttr**

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