Job Role:

The primary objective is to enhance the value of the savings account portfolio through cross-sell, leading to increase in fee income, to add to that ensure acquisition of new clientele.

Key Responsibilities:

A. Acquisition

- Assist HRM in executing successful micro-events for acquisition of new clients

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

- Acquire new accounts from referrals from existing customers.

- The candidate should have experience in managing & sourcing clients of 20 lacs+ relationship.

B. Relationship Building / Deepening / Cross Sell

- Ensure consistent growth of the Savings portfolio

- Work closely with the Head RM to establish synergies for maximum penetration of Investment & Insurance sales to new customers along with deepening into the book i.e. AUM

- Build a robust momentum with regard to the third party distribution (insurance, auto loans, mortgages) and fee income to scale up the client portfolio growth, in line with the set targets

- Ensure Risk Profiling is done for each customer

- Implement customer contact programs to ensure his share of wallet with the bank increases

- Close monitoring of average revenue per customer

C. Retention

- Ensure top class service delivery to clients to be in line with the best in the industry

- Monitor high net worth accounts closely to ensure that customers continue regular use the account and grow balances

- Work towards reactivating accounts which have stopped transacting or depleted in balances

- Assist in resolving service hurdles to create a delight situation for customers

D. 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

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

- Optimum usage of Bank Financial Planning Tool

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

- Promotion of Alternate Channels

- Increase customer contactability by capturing email address and mobile number

Qualification: Any Graduate / Post Graduate

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