Aditya Birla Financial Services - Relationship Manager - HNI

Aditya Birla Finance (ABF) is the NBFC arm of Aditya Birla Financial Services Group. The company offers specialized solutions in areas of Capital Market and Corporate/ Trade Finance. The Capital Market Solutions Suite includes Promoter Funding, Loan Against marketable securities, IPO Financing, ESOP Financing. The Corporate/ Trade Finance Solutions Suite includes Invoice/ Bill Discounting, Loan against Property, Lease Rental Discounting and Term Loan .

The Capital markets group is engaged in funding short term & long term liquidity requirement of its customers against collaterals of shares, mutual fund units & other marketable securities. The product portfolio includes Loan against shares, loan against mutual funds, loan against bonds, Promoter funding, Broker funding & all products in the security based lending space.

The relationship manager is responsible for marketing & selling the aforesaid products & building a client base for the company.

The main challenges faced by this profile include keeping abreast of the latest market scenario, converting a potential lead into a client against competition by a thorough understanding of the client requirement & providing client satisfaction for harnessing long term relationship

The critical skill sets that this profile requires are a strong local network, an ability to interpret market trends, excellent communication and negotiation skills and high customer & target orientation.

Principal Accountabilities:

Accountability/Supporting Actions:

To achieve targeted profitability & fee income - To achieve periodic sales targets of assigned portfolios

- To maintain projected fee income at budgeted numbers and undertake cross selling initiatives to achieve them

To undertake new client acquisition, retention & growth for larger customer and location base - To identify potential clients (Corporates, Institutions, HNIs through referral networks)

- To execute monthly sales plan to acquire large prospective clients and ensure regular contact with all mapped clients through regular weekly / monthly Calls. Daily tracking of & personal meeting with Clients

- To build a strong DSA network & generate faster TAT for deal closures

- To ensure effective & proper client servicing, resolving queries and complaints within reasonable TAT for retention of clients

To contribute to customer satisfaction initiatives - To stay abreast of the client requirements and monitor the relationship from initiation to closure

- To ensure that client promises are kept and their grievances are adequately addressed or highlighted

To ensure policy adherence and documentation - To be aware of all critical policies & procedures & ensure compliance with them

- To ensure proper opening of client accounts, application submissions, to manage refunds & ensure that the documents are duly receive from the client

- To help the risk & review process by continually monitoring the client profile & the margin shortfall within predetermined time limit to ensure zero NPAs

To formulate periodic MIS - To send periodic lead closure & sales reports to the functional head

To contribute in team development and skill enhancement - To ensure ongoing self development - attend internal and external training programs, other relevant certifications that enhances the skills in the financial sales services

- To help team members in understanding the products, processes & provide complete guidance to management trainees and colleagues