Relationship Manager - HNI - Branch Banking

SkillLabs; Pilibhit; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

SkillLabs seeks an experienced Relationship Manager to include HNI customers into the HNW Programme, delivering a superior experience and growing relationship size. You will acquire new HNW relationships, be a single contact for financial needs, and expand wallet share by cross-selling Right products.

Liaising with branch staff, regularly interacting with customers, and ensuring KYC/AML compliance are essential. You will promote all direct banking channels and support portfolio growth.

Qualifications

• Experience in acquiring HNW relationships and cross-selling financial products.
• Familiarity with KYC/AML norms and regulatory requirements.
• Strong portfolio management and client servicing capabilities.

Responsibilities

• HNW portfolio management: acquiring, enhancing, deepening and retention.
• Liaise with branch staff to flag eligible HNW customers and acquire new ones.
• Regular interaction with customers to update profiles and build rapport.
• Cross-sell banking products to meet customer needs and grow wallet share.
• Ensure compliant documentation and adherence to KYC/AML norms.
• Provide advisory services and help achieve revenue targets.
• Maintain portfolio quality and manage customer attrition.

Skills

Sales

Influencing Skills

Banking Product Knowledge

Portfolio Management

Customer Relationship

Planning & Organization

Communication Skills

IRDA Certification

NCFM Certification

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