Emerging Corporate Group

.

**Job Title **:(Job Name) - Relationship Manager

**Education**: Graduate/ PG.

**Job Purpose**:
To build and manage relationship with new and existing clients so as to ensure income generation from sale of all appropriate asset and liability products relevant to the client.

**Job Responsibilities(JR)**

**Actionable**

Portfolio Management
- To Achieve over all business targets on volumes and profitability for the specific ECG customers.
- Monthly review to be done with various product groups and supervisors who support the RM portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
- To keep a check on the performance of accounts and overall portfolio.
- Portfolio review and remedial management - includes managing exits, line reductions, recovery and restructuring of exposures. Management of stress and critical accounts.
- Improvement on yield for the Bank so that the Portfolio has a strong Return on capital - RM portfolio level.
- Keep a track on Performance, variance with budgets and plans to meet shortfall for his / her own portfolio.
- Client Calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.

Increased Product Penetration
- Wallet share identification and scoping of all accounts - existing and potential NTB customers
- Scope for possible product penetration and provide strategy on the specific accounts.
- Cross sell of all products of the Bank and be the front face of the bank for all products.

Operations & Processes
- Ensure that all the management guidance is properly adhered to for effective management guidance implementation.
- KYC / AML tracking of the customers handled by the RM
- All documentation formalities to be done for effective pre and post disbursement of facilities or banking products.
- Tracking of deferrals and updating all information as per RBI and credit regulations on the specific accounts. Management of deferrals/ pre and post documentation
- Credit appraisal process to be done timely - Recommendation of Credit Limits

Client Management & Servicing
- RMs should be on 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.
- Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer.
- Communicate all pain areas of the customer so that support functions help in resolving the same through process improvement / TAT for higher product share.
- Interaction with promoters and senior management of ECG relationships to build a strong relationship with the clients.
- To make sure high level of client satisfaction.

Intra Bank Coordination & Communication
- Team management - working as a team and do act as support to other team members when required. In line with Banks initiatives of growth.
- Interacting with various departments of the Bank and providing them with insight on ECG business and to get inputs on their business for cross sell at the region level.

**Job Types**: Full-time, Regular / Permanent

**Salary**: Up to ₹1,000,000.00 per year

Schedule:

- Day shift

Supplemental Pay:

- Performance bonus

Ability to commute/relocate:

- Bangalore, Karnataka: Reliably commute or planning to relocate before starting work (required)

**Education**:

- Bachelor's (preferred)

**Experience**:

- total work: 5 years (preferred)
- Sales: 5 years (preferred)
- working capital: 5 years (preferred)
- SME: 1 year (preferred)