Officer, Virtual Relationship Manager, Consumer Banking Group

DBS Bank Ltd; Helena (MT); In loco; USD 6300 - 13.000; Tempo pieno

Descrizione del lavoro

DBS India is seeking a Virtual Relationship Manager to engage HNW clients and drive wealth solutions across geographies. You will onboard clients through digital channels, balance product mix, and deepen wallet share with proactive service and cross-sell.

Based in Pune, the role emphasizes multi-channel engagement, client onboarding, and delivering a high-quality customer experience in line with DBS standards.

Competenze

• Experience in wealth management and client onboarding.
• Strong selling and relationship-building capabilities.
• Knowledge of banking products and financial services.
• Fluency in English and Hindi; regional language skills are a plus.

Mansioni

• Acquire clients via e-boarding and grow AUM steadily.
• Engage clients across channels to drive revenue.
• Balance product mix and deepen wallet share.
• Improve customer satisfaction through timely engagement.
• Onboard new clients and explain product features.

Conoscenze

Selling skills

Team influencing

People management

Communication skills

Drive for action

Ambiguity tolerance

Strategy understanding

Formazione

University degree in finance/business

Postgraduate in marketing/finance/banking

Strumenti

AMFI/IRDAI license

Descrizione del lavoro

Business Function

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you.

Job Purpose

DBS India Consumer Banking Group including digibank (Retail Banking) and Treasures (Wealth Segment) serves over 2.6 million customers worldwide with a complete range of banking and wealth management services. It is a business that focuses on quality customer acquisition through multiple acquisition channels, customer-centric value propositions and innovative and efficient distribution channels. DBS has been at the forefront of adapting and incorporating rapid changes in technology to understand and serve customer needs better. Virtual Relationship Managers are a step in that direction. Thus Treasures Virtual Relationship Manager is a key role within the Consumer Banking Group Business that is responsible for engaging with clients across the geographies in India and Globally, greatly enhancing the client experience through the effective use of technology. A high level of customer‑centricity, interpersonal relationships complemented by “multi‑channel” approach to relationship management via online and digi app are critical to succeed in this role.

Key Accountabilities

• Acquire clients through e-boarding of the provided leads and nurture the relationship for AUM build up in a steady manner.
• Establish the Virtual Relationship Channel as a major revenue contributor through effective engagement with clients via multiple communication channels.
• Ensure right balance of the product mix and balance NTB (New to Bank NR customers) with increased penetration of existing customers to deepen the wallet share.
• Drive and deliver a radical improvement in customer satisfaction scores through timely engagement and redressal of client enquiries.
• Ensure highest levels of customer satisfaction.
• Interact with new customers to detail & explain all features & functions of products & assist in on boarding of new clients.
• Empower DBS IN clients embrace the value delivery channels to improve transaction efficiency and effectiveness.

Job Duties & Responsibilities

Quality engagement with Emerging Affluent and Treasures clients to retain and developing sustainable relationshipsEnsure effective and efficient on-boarding, client coverage and client economics.Coordinate and drive timely investment and insurance portfolio reviews partnering with Investment / Insurance / Wealth specialists in Cluster locations.Establish relationships with the client’s basis opportunities identified by key acquiringchannels such as SME / CEP/IBG/ DBS Experience Centers or influencers for on-boarding the clients and ensure qualification as Treasures basis the stipulated criteria.Ensure service delivery by ensuring appropriate workflows and processes including digital on-boarding, upgrades, Scan / E-mail based wealth transactions, doorstep banking services, digital and remote account maintenance (Re-KYC / Risk Reviews) etc.Work closely with Cluster locations, Operations and other stakeholders to ensure that customer instructions are executed correctly and in a timely mannerImproving customer experience by collating customer feedback, identifying areas to improve such as operational, administrative, processes and competitiveness of products and servicesMaintaining an awareness of relevant products and services available so as to provide the best solutions for clients as per their identified needs and aspirationsSupporting process and product improvement initiatives, providing customer feedback on service and product offering and ensuring compliance with internal audit and regulatory requirements and quality assuranceAdhere to DBS India and Group standards on code of conduct and controls in line with bank values and expectations

Requirements:

Servicing high net worth clients at a financial institution / KPOWhile technical competence is not essential, ability to handle client requests via e-channels and versatility with digital tools would be beneficial.Good knowledge of wealth management products, both investment and insuranceCustomer oriented and able to capture customer financial needsHolder of relevant insurance, investment certification requirements (AMFI / IRDAI Composite license) would be an advantageGood command of spoken English and Hindi. Fluency in other regional languages (Marathi, Bengali, Tamil, Telugu etc.) would be an advantage

Education / Preferred Qualifications

University level education, preferably in finance, business or a related discipline. Postgraduation in marketing or finance or banking would be desirable

Core Competencies

Selling and team influencing skills to grow customer numbers and customer product uptakePeople ManagementCommunication SkillsDrive for ActionAbility to work in an ambiguous environmentExcellent understanding of the Bank’s Strategy and ability to interpret this and execute effectively to grow customer wallet shareProven track record in execution of sales or marketing strategy that resulted in business growthWork RelationshipEnsuring remote coverage and engagement of customers along with Branch teams for support.Close interaction with Channels / Segments and Clusters to ensure consistent delivery of service and business objectives.

DBS India - Culture & Behaviours

DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviours are:Demonstrate Business Performance through PRIDE 2.0 Value Based PropositionsEnsure Customer Focus by Delighting Customers & Reduce ComplaintsBuild Pride and Passion to Protect, Maintain and Enhance DBS’ ReputationEnhance Self Knowledge, Skills and develop Competencies aimed at continuous improvementMaintain the Highest Standards of Honesty and Integrity.

Location:

Pune-DBIL

RegularEmployee Status:

Full time