Relationship Manager - Business Banking Working Capital (RM-BBWC) -

JOB Purpose: Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG relationships, depending on the geography covered and the branches mapped to the RM, and maintaining HNW relationship management of the BBG customers in order to provide quality service to the customers. Business Development: To achieve overall business targets on volumes and profitability for BBG customers.

Regularly interact with branches for lead generation for BBG, update leads in CRM, ensure conversions, and follow the complete lead conversion process. Market scoping and identifying potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with the branch banking team.

RMs have to follow the laid-down sales process, which involves a high volume of regular client calls for both existing and prospective clients. These calls should be done in a structured manner, either individually or with support groups, branches, or supervisors. These calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.

Monthly review to be done with various product groups and supervisors who support the RM’s portfolio (plan Vs achievement) and other cross-functional teams to ensure better product penetration. Improvement on yield for the Bank so that the Portfolio has a strong Return on capital at RM portfolio level. Documentation pre-disbursement (Doc collection, legal & TSR, valuation, etc.)

and post-disbursement sign-off from customers, including deferral closure Ensuring cross-selling of complete liabilities, corporate salary accounts, other asset products, TPP to the existing Relationships and its raised group accounts. Increasing the IPH and CTG to ensure revenue maximization. Customer relationship management: Relationship building with both internal and external customer of the RM.

Client satisfaction and taking care of all banking needs of the customer. Preparation of customer profiling sheet and identifying cross-sell and revenue-increasing opportunities CAM Preparation & query resolution Customer negotiation on rates and other issues relating to charges. Daily servicing of customers w.r.t. Cheque referrals, customer queries related to Banking, Issuance of Cheque books, managing cash deposition/withdrawal issues, solvency certificates, trade & FX transactions, etc.

To make sure high level of client satisfaction. Coordinating with internal and external stakeholders: Co-ordination with credit for CAM approval, deferral waiver /extension & other customer requirements like buyer's credit, TOD’s Co-ordination with local Ops for disbursements, TOD limit setting, submission of Stock Statement.

Coordinating with trade desk and customer for smooth LC/BGissuance, and for import/export payment, BG invocation, LC payment E-Net, CMS and cross-sell of other such products. Ensuring Compliance and Health check of portfolio: Portfolio review and remedial management, which includes managing exits, line reductions, recovery, and restructuring of exposures.

Management of stress and critical accounts. Also ensuring completion of Housekeeping pendencies including CAM renewals, deferral closure, call memos, stock statements, insurance renewals, plant visits, site visits, etc. Follow-up and regularization of TOD’s High value transaction reporting and tracking Requirements Educational Qualifications: Postgraduate in Finance or Chartered Accountant Strong understanding of Financials and Balance sheets Strong Relationship Management skills Sales and Influencing Skills Strong Analytical ability Good Interpersonal and Negotiation skills Understanding of the Banking Industry Understanding of the SME sector Experience Required

• Minimum 4+ years of experience in the Working Capital Sales and Service portfolio in a Private-Sector Bank.