Job Title : Relationship Manager Emerging Enterprises Group (Only Female Candidates)
Experience Required: 0-3 years
Location of Role : North & West India
Job Purpose:
To run initiatives in line with key objectives of the Business in order to attain the banks objective of business leadership.
Qualification:
Preferably CA candidates or MBA from Reputed Institutes
Key SKills:
- Interpersonal Skills
- Coordination with multiple teams & multiple activities
- Ability to work under pressure.
Branch Management:
- Plan the branch visits detailing the coverage every week
- Meeting the branches during the morning meeting - every branch once a month
- Scoping the RM/PB customer for lead/joint calls OR make use of available resources in the branch for leads/joint calls
- Planning the catchment area activity/scoping for lead generation/joint call
- Ensure RM/PB activation from the activities above and review of branch performance/resource wise performance/review with CH as and when required.
- Creating excitement in branches/spot sanctions/contests/recognition program
- Check CRM daily and review the leads/update follow up leads/with dates
- Document branch meeting through Cogent/mails
Lead generation/logins:
- Planning the above so that it translates into 2 calls per day/2 appointments per day
- Send the communication to the customer on documents required
- Follow up the on the calls made for documents/arrange for pickup of documents
- Check for completeness of documents
- Go through the Financials/bank statements for churn/bounces/interest servicing
- Collection of property documents for legal/valuation - check for completeness chain docs etc.
- KYCs
- List down the points to be clarified from the customer
- Fill down the points to be clarified from the customer
- SPE Updation
- Submission of file to ops for scanning
- Submission of docs for legal/valuation
- Co-ordination with customer/valuer
- Buyer/supplier ref check -----> Ref leads
Cross Selling:
- To be the one-stop shop for each of our EEG clients and provide suitable gamut of financial products such as Insurance, CASA, Credit Cards, Other Assets Products as required by the customer.
- Monitor and track Leads.
Renewals:
- List down the renewals every month for the next two months
- Work on the renewals in advance
- Mail to the respective customers on docs required for renewal
- Follow up weekly twice for docs
- Arrange for collection of documents
- Check the documents for completeness
- Study the financials/bank statements/churn/interest servicing/aberrations from the stated nos
- Speak to the customer for addressing issues/aberrations
- SPE
- Hand over to ops for scanning
- Follow post login formalities
- For renewals overdue and having genuine delay put up for extensions
CAM conditions review/OBA review:
- Churn review for OBA once a month
- Conditions review once a month
- If OBA waiver required/check for justification/check for churn/put up to the authority
- If not inform the customer on closure of OBA/levy of 2% penalty
- Same for CAM conditions
Call Memos:
- List down the call memos due for the quarter
- Review of ASR/ACR/cam conditions/deferrals for the customers
- Meet the customer and understand the business/issues if any
- Upload the call memos in shock and awe for endorsement/noting
Portfolio Management and Housekeeping (HK):
- Reduce HK.
- Closure of critical and high aging item
Stock insurance/property insurance:
- Communicate the premium to the customer after listing down the pendency
- Collect docs if required
- Submission to OPS
Delinquency management:
- Depending upon severity of each case - Customer Call for servicing Interest.
- Email communication to Branch & customer
- Personal Visit to Customer / Joint Visit with Credit Manager
- Rigorous follow-up
Complaints : CRM / MD / PNO / CRO:
- Analyze complaint
- Seek resolution post discussing with Customer
Major Stakeholders:
- Branch Banking Team
- Operations
- Product Team
- Credit