HDFC Bank Limited – Relationship Manager-business Banking Working Capital

HDFC Bank Limited – Relationship Manager-business Banking Working Capital

HDFC Bank Limited - Relationship Manager-business Banking Working Capital

Job description

Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG relationships depending on the geography covered and the branches mapped to the RM and maintain HNW relationship management of the BBG customers in order to provide quality service to the customers.

Business Development
To achieve overall business targets on volumes and profitability for BBG customers.
2. To regularly interact with the branches for lead generation for BBG, updates on the leads in CRM, ensuring conversions and following complete lead conversion process.
3. Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with branch banking team.
4. RMs have to follow the laid down sales process which involves updation of the regular client calls for both existing and prospective clients. These calls should be done in a structured manner either individually or with support groups, branches or supervisors.
5. These calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.
6. Monthly review to be done with various product groups and supervisors who support the RMs portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
7. Improvement on yield for the Bank so that the Portfolio has a strong Return on capital at RM portfolio level.
9. Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement sign off from customers, including deferral closure
10. Ensuring cross selling of complete liabilities, corporate salary accounts, other asset products, TPP to the existing Relationships and its raised group accounts.

Customer relationship management
Relationship building with both internal and external
customer of the RM. Client satisfaction and taking care of
all banking needs of the customer.
2. Preparation of customer profiling sheet and identifying cross sell
and revenue increasing opportunities
3. CAM Preparation & query resolution
4. Customer negotiation on rates and other issues relating to charges.
5. Daily servicing of customer w.r.t. Cheque referrals, customer
queries related to Banking, Issuance of Cheque books, managing
cash deposition / withdrawal issues, solvency certificates, trade &
Fx transaction, etc.
6. To make sure high level of client satisfaction.

Coordinating with internal and external stakeholders

Ensuring Compliance and Health check of portfolio
Portfolio review and remedial management which includes
managing exits, line reductions, recovery and restructuring
of exposures. Management of stress and critical accounts.
2. Also ensuring completion of Housekeeping pendencies including
CAM renewals, deferral closure, Call memos, stock statements,
insurance renewals, Plant visit, Site visit etc.
3. Follow-up and regularization of TODs
4. High value transaction reporting and tracking.

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