Relationship Manager Yes First Business

SECTION III: KEY RESPONSIBILITIES / ACCOUNTABILITIES

Core Responsibilities

(Scorecard deliverable)

• Responsible for managing CASA value-growth
• Generating fee income from Trade Forex, Retail Banking & Business Banking relationships
• Cross-selling the wealth management products to the clients (MF, LI, GI, CC, Y-SEC, Locker)
• Acquiring the high-value CASA relationships from within the group
• Increasing the Customer to Group (CTG) & Product to Group (PTG) ratio in the book
  

Strategic/ Managerial Responsibilities

• Deepening & Up-Selling on key CA-led relationships to achieve Goal sheet targets across CASA Value, Tfx income, BB, CMS, LI, MF, Locker, NTB Acquisition & other products
• Superlative client servicing standards & rigor in managing the relationship
• Drive superior product & process for sales and service to premier CA client, along with necessary feedback to Program Team for enhanced product development
• Seek references from existing clients to generate prospect list for New to Bank acquisition
• To provide a differential customer experience that supports our YFB value proposition & also ensure maintenance of minimum YFB threshold and retention of business customer
• To focus on profile based cross sell of value added products such as Trade Forex, CMS, POS, Payment gateway solutions, doorstep banking, working capital / loan needs & OPDT and family SA
• To understand and maintain details regarding nature of business and business model to extract existing and potential opportunities as well as any potential risks. Position our value proposition linking benefits to the customer’s key business requirement / issues
• To ensure “One-Group-One RM” benchmark across all managed relationships
  

Risk and Internal Controls

• To follow the risk policies and processes prescribed within the bank for operational, regulatory, financial, informational, reputational and audit risks
• Ensuring the processes are understood & the same is carried out in regular functioning
• To adhere to sales process & KYC norms of the bank
  

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

Channel Partners

• Coordinate with product and programs teams to drive channel activities and initiatives for the branch
  

Key Stakeholders

• To engage with NOC, CSD, BSD, Service team for better servicing experience to clients
• To engage with Product Sales specialists (PSMs) for X-sell penetration within the book
  

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications

• Post- Graduate in any discipline
• MBA from recognized university/ B-School is preferred
• Certifications like IRDA, CTF, NISM are preferred
• He should have understanding of basic MS office & other basic software
  

Language Skills

• He should be able to write and speak in English
  

EXPERIENCE

Years of Experience

• A minimum of 5 years of banking experience/relevant experience in relationship management
• Experience in managing Liability HNI relationships & Trade & Forex products
  

Required Skill-sets

• Good presentation skills with ability to work under stringent time lines
• Demonstrated track record of managing portfolio of high value customers
• Strong strategic, analytical, communication and negotiation skills
• High impact communication skills to effectively engage affluent consumers
• Strong inter-personal skills
• Superior service skills/"client first" approach resulting in strong customer loyalty
• Active listening skills and troubleshooting abilities / problem solving approach

SECTION III: KEY RESPONSIBILITIES / ACCOUNTABILITIES

Core Responsibilities

(Scorecard deliverable)

• Responsible for managing CASA value-growth
• Generating fee income from Trade Forex, Retail Banking & Business Banking relationships
• Cross-selling the wealth management products to the clients (MF, LI, GI, CC, Y-SEC, Locker)
• Acquiring the high-value CASA relationships from within the group
• Increasing the Customer to Group (CTG) & Product to Group (PTG) ratio in the book
  

Strategic/ Managerial Responsibilities

• Deepening & Up-Selling on key CA-led relationships to achieve Goal sheet targets across CASA Value, Tfx income, BB, CMS, LI, MF, Locker, NTB Acquisition & other products
• Superlative client servicing standards & rigor in managing the relationship
• Drive superior product & process for sales and service to premier CA client, along with necessary feedback to Program Team for enhanced product development
• Seek references from existing clients to generate prospect list for New to Bank acquisition
• To provide a differential customer experience that supports our YFB value proposition & also ensure maintenance of minimum YFB threshold and retention of business customer
• To focus on profile based cross sell of value added products such as Trade Forex, CMS, POS, Payment gateway solutions, doorstep banking, working capital / loan needs & OPDT and family SA
• To understand and maintain details regarding nature of business and business model to extract existing and potential opportunities as well as any potential risks. Position our value proposition linking benefits to the customer’s key business requirement / issues
• To ensure “One-Group-One RM” benchmark across all managed relationships
  

Risk and Internal Controls

• To follow the risk policies and processes prescribed within the bank for operational, regulatory, financial, informational, reputational and audit risks
• Ensuring the processes are understood & the same is carried out in regular functioning
• To adhere to sales process & KYC norms of the bank
  

SECTION IV: KEY INTERACTIONS

Key Internal Interactions

Purpose of Interaction

Channel Partners

• Coordinate with product and programs teams to drive channel activities and initiatives for the branch
  

Key Stakeholders

• To engage with NOC, CSD, BSD, Service team for better servicing experience to clients
• To engage with Product Sales specialists (PSMs) for X-sell penetration within the book
  

SECTION V: KNOWLEDGE & EXPERIENCE

KNOWLEDGE

Minimum Qualifications

• Post- Graduate in any discipline
• MBA from recognized university/ B-School is preferred
• Certifications like IRDA, CTF, NISM are preferred
• He should have understanding of basic MS office & other basic software
  

Language Skills

• He should be able to write and speak in English
  

EXPERIENCE

Years of Experience

• A minimum of 5 years of banking experience/relevant experience in relationship management
• Experience in managing Liability HNI relationships & Trade & Forex products
  

Required Skill-sets

• Good presentation skills with ability to work under stringent time lines
• Demonstrated track record of managing portfolio of high value customers
• Strong strategic, analytical, communication and negotiation skills
• High impact communication skills to effectively engage affluent consumers
• Strong inter-personal skills
• Superior service skills/"client first" approach resulting in strong customer loyalty
• Active listening skills and troubleshooting abilities / problem solving approach