RBB-IMPERIA RELATIONSHIP MANAGER

Job PurposeResponsible for including HNI customers into the Imperia programme and offering them a superior customer experience to enhance the profitability of the relationship by increasing the relationship size, cross selling the right products, acquiring family a/c’s, retaining and enhancing the relationship. The RM is also responsible for acquiring new to Bank Imperia relationships.To be a one-point contact for all his financial needs and services, thus enhancing current relationship value and wallet share which will further increase profitability from these relationships.Key Responsibility Areas : 6 – 8 Areas Activities HNW Portfolio Management (Acquiring, Enhancing, Deepening and Retention)Liaising with PB/ Preferred RM to flag eligible customers form Classic/ Preferred portfolioAcquire new customers who meet product criteriaRegular interaction with the customer to build rapport to understand and update the profile.Enhance the Overall value/book size of the portfolioMaintain the overall quality / hygiene parameters of the portfolioCross selling products of the bank based on the customer needJoint calls being done along with Supervisor as per defined processAdvisory services to be offered based on the requirement in coordination with PBG.Attrition control of customersAchieving MTD and YTD Revenue TargetsOperations, Marketing & ProcessesError free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc)Ensure KYC / AML norms are adhered to at all points of timeEnsure that 5-S norms are adhered to for individuals workstationIncrease in wallet shareLook for opportunities to cross sell any other product of the Bank, to ensure that HDFC Bank is a one stop shop & solution for all banking needs of the Imperia CustomerSales to family members and associates (all network)Ensure that optimal levels of Income generating Product Group Holding (IPGH) is reachedProduct Penetration & contribution towards focused productEnsure that an optimal level of Income generating Product Group Holding (IPGH) is reached.Enhance client's Customer To Group ( CTG ) levelCustomer ServiceEnsure quality customer service is delivered. All customer queries and complaints are being resolved within TAT.Customer is informed about any regulatory or process change. Keep the customer updated on program features.Ensure timely customer communication on requests and concerns raised.Proactive complaint management through feedback from customers.Promoting all direct banking channels and ensuring that the customer is utilizing the sameEnsuring that customers are introduced to the RBH / BM and PSO (PBA in case of a non PSO branch) so that there is back up when the customer visits the branch and the RM is outEnsure smooth transition of handover/takeover of the portfolioEducational QualificationsKey Skills(examples listed below)GraduationPost-GraduationCertifications:AMFI CertificationIRDA CertificationNCFM Certification (Optional)Sales and Influencing SkillsBanking Product & Process KnowledgeNRI Product and Regulatory KnowledgePlanning and Organizing SkillsGood Communication skillsKnowledge of Competition & Current trends in financial Industry.Experience Required:Minimum experience in years – 3 to 10Exposure to Portfolio Management segment (Imperia)Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)CustomersBranch Banking TeamOperationsProduct TeamAsset TeamTreasuryCreditLife / General and Health Insurance PartnersAMC’sHDFC Securities

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