Client Relationship Management:

Client Acquisition:

Identifying and acquiring high-net-worth individuals (HNWIs) or clients with significant wealth to offer personalized banking and financial services.

Managing Existing Client Relationships: Building and maintaining long-term relationships with clients by understanding their financial needs, goals, and providing consistent advice and solutions.

Client Retention: Ensuring high levels of client satisfaction to build trust and retain existing clients. Regularly engaging with clients to understand their evolving needs.

Financial Planning and Advisory:

- Wealth Management: Providing clients with comprehensive wealth management strategies tailored to their specific financial goals, including investment, retirement, and estate planning.

- Investment Advisory: Recommending and offering suitable investment products such as mutual funds, fixed income products, structured products, and other assets based on the client's risk profile and financial objectives.

- Insurance Advisory: Since the BANCA division often integrates banking and insurance, RMs may offer a variety of insurance products (life, health, and general insurance) to help clients meet their financial goals and protect against financial risks.

- Retirement and Estate Planning: Assisting clients with planning for retirement and structuring their estate, which may include creating strategies for wealth transfer.

Sales and Business Development:

- Cross-Selling: The RM is expected to cross-sell various products (banking, investment, insurance, etc.) within the bank's portfolio to existing and new clients, ensuring a holistic approach to wealth management.

- Increasing AUM (Assets Under Management): The RM is responsible for growing the assets under management by advising clients on various products and investments, thereby driving revenue for the bank.

- Product Knowledge: A thorough understanding of the bank's range of wealth management and insurance products is necessary to offer clients the most appropriate solutions.

Risk Management and Compliance:

- Risk Profiling: The RM will assess and understand clients' risk tolerance and guide them in selecting suitable investment products that align with their preferences and goals.

- Compliance: Ensuring that all financial advice and transactions comply with internal policies, regulatory requirements, and the bank's standards (such as KYC, AML, etc.).