Relationship Manager - Trade & Working Capital Sales - Banking

Job Role:

- Acquisition of new clients, Drive revenue & portfolio growth of TWC.

- Monitor, Manage, Service and generate revenue on the existing Portfolio.

- Franchise development.

People Management:

To strike good relationship with customers, Channels and internal people such as Branch service team and CRM team

Responsibilities:

Acquisition: Drive revenue and portfolio growth of TWC book.

Prospecting new customer to the bank: Target clientele would be: Manufacturers / Traders / Importers / Exporters / Service Providers

- Acquire new accounts from group companies / family of existing customers .

- Acquire new accounts from referrals from various channels.

- Prepare call plans prior to customer visits to establish objectives and explore customer needs with the aim of matching products with the Customer Value Proposition .

- Obtain required documentation and forward to CRM for review .

- CRM appraises the proposal and sanctions the lending limit.

- Post disbursement the relationship is handed over to the Branch RM

Portfolio Management/ Cross sell

- Responsible to ensure that credit applications for new facilities including renewals are correctly prepared in accordance to our guidelines.

- Continuously upgrade and innovate sales techniques to maximize productivity.

- Contribute towards the expansion of business opportunities in strategic target areas .

- Cross sell products of our bank i.e. Cash management, Salary accounts, Insurance products, FX, CA, TD and Investment Products and increase the share the wallet for allocated accounts .

- Provide regular feedback on the changing customer needs to the Product team and Service Quality team

Risk Management & Governance

- Ensure awareness and adherence with the Know Your Customer policy, Anti Money Laundering Policy, Mis-selling Policy, Information Protection Policy, Operational Risk, Code of Conduct and other laid down compliance norms of the bank as stipulated from time to time.

- To conduct all business activities in compliance with internal policies and external laws / regulations / guidelines .

- Any suspicious transaction to be immediately reported to the Area Manager.

Experience/ Exposure

5+ years experience in Trade and Working Capital in Mumbai Market.

Qualification: Any Graduate / Post Graduate

CTC: Best in Industry