Job Category: Relationship Manager –Business Banking Group
Job Type: Full Time
Job Location: Cochin Coimbatore Hyderabad Mysore Salem
Company Name: RBL Bank
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Client : – RBL Bank
Position: – Relationship Manager –Business Banking Group
Grade: – SM/AVP
Location: – Cochin , Mysore , Hyderabad , Coimbatore , Salem , Bangalore
Job Description:
| Job Title | Relationship Manager –Business Banking Group |
| Grade | Officer grade to AVP grade |
| Department | Business Banking Group ( erstwhile, Business Banking) |
| Location | Mumbai, Pune, Nagpur, Ahmedabad, Rajkot, Surat, Baroda |
| Reporting To | Regional Head – Business Banking Group (BBG) |
- Position Purpose
| Relationship Manager is responsible for acquiring New to Bank Customers and manage existing Bank Customers in the Business Bankingspace as well as ensure portfolio health & hygiene, and work towards Income generation through Interest income, Fees etc from Fund based and non -und based products. This position will work with key stakeholders like credit, operations, monitoring, product etc. for achievement of defined KRA’s. |
- Position Responsibilities
| Sr. | Key Responsibilities |
| 1 | Acquire new clients and manage existing clients portfolio of Business Banking department. Monitor the portfolio closely and ensure book size, fee income, delinquency containment targets are met. Regular visits to customer to understand and explore additional funding requirement. |
| 2 | Use credit knowledge and knowledge of various products for deal structuring. Use Knowledge of market in order to acquire new clients and manage existing clients. |
| 3 | Increase wallet share of customer by cross selling retail liability products to the customer. Ensure stability of income through various revenue linesand explore avenues for new income generation from existing as well as new clients. |
| 4 | Ensure the portfolio health through timely servicing of dues /overdues ;timely renewals , stock statement submission, insurance submission, monitoring Out Of Order. Manage the portfolio hygiene items to ensure closure of deferrals and post disbursal document submission within approved TAT. |
| 5 | Regularly interact and visit customer to ensure timely service delivery and delight. Onboard customer to various digital, alternate channels for ease of transaction.Act as a one point contact for all client queries / concerns related to BBG products. |
| 6 | Regularly visit assigned branches and train the branch staff on eligible, qualified lead generation for BBG products. Be in constant touch with branch staff to appraise them of the case status and support for quick decisioning. |
- Qualifications and Experience Requirement
| Qualifications | |
| Essential | Graduate / Postgraduate |
| Preferred | Management Graduate / CA |
| Experience | |
| Essential | Minimum 3 year of experience in Working Capital product sales |
Competency Requirements
| Skill | Attribute |
| Business Requirements | Strong sales and relationship management skillsUnderstand Credit so as to assess Customers and Financial StatementsKnowledge of Trade and Foreign exchange transactions. Ability to negotiate dealsMarket Knowledge of Business Banking customers |
Behavioural Requirements
| Skill | Attribute |
| Professionalism | Conducts duties with good judgment and in good faith |
| Respect | Sensitive and responsible for what is said and done |
| Excellence | Acts in a manner that earns the trust and admiration of others |
| Entrepreneurial | Enterprising and take ownership of ones actions |
| Teamwork | Works collaboratively to achieve the common goals and be successful together |
| Influence | Influences stakeholders in a smooth, non-abrasive manner |
| Analytical Thinking | The scientific approach to problem solving. Definition; Hypothesis; Facts; Analysis; Solution. Incisive Analytical Skills. |
| Attention to Detail | Is meticulous and checks on the nitty gritty |
| Conceptual Thinking | Ability to identify patterns or links between seemingly unrelated issues |
| Problem Solving | Using generic or ad hoc methods, in an orderly manner, for finding solutions |
| Adaptable | Adapts to challenging situations |
Kalpana Jha
Branch Business Consulting Partner
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