Relationship Manager

Job Description

Job TitleRelationship ManagerFunctional TitleRelationship Manager Emerging Local CorporatesGradeSenior ManagerManagement BandJunior ManagementBusiness UnitEmerging Local CorporatesDivisionRelationship ManagementDepartmentELCLocationSouth ExtensionReporting toTL / SL Emerging Local CorporatesNo. of Direct ReportsNILSECTION II: ROLE SUMMARYThe role holder is responsible for assisting Section Leader/Team Leader in originating leads for building up a liability book and increasing wallet in the existing portfolio for the bank mainly in Ecommerce, Start-ups, Fintech and IT/ITES segments viz. Current Accounts, Nodal Accounts, Escrow Accounts, FDs, Trust Accounts, TASC etc.SECTION III: KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial ResponsibilitiesN/ACore Responsibilities

• Acquire new client relationships and grow & maintain high quality, profitable and broad based relationships with the senior management of the existing client base

• Imbibe YBL polices, systems, processes and regulatory framework as applicable to the job.

• Work under guidance from the reporting authority to analyse the banking needs of existing /target customers.

• Be adept at financial analysis in context of the banking product being sold to the customer.

• Understand the product offering from YBL and under superiors guidance cross sell the entire suite of banking products.

• To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners /OSD /Risk Management and other Relationship management groups

• Achieve Banks objective in terms of revenue, liability book increment, CMS and DB products cross sell, FDI etc. as per agreed budgets/targets.
• Maintain accurate information regarding the liability portfolio, P&L, cross sell as part of the CRM/portfolio management

• The primary focus will be on e-Commerce, Fintech, Gaming, IT & ITES space

Self-Management Responsibilities Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year.Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training.Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively.Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks.Risk and Internal Control ResponsibilitiesFollows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager.Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.SECTION IV: KEY INTERACTIONSKey Internal InteractionsPurpose of InteractionDigital BankingFor crafting digital solution for the clientsTBGFor ensuring that customer have smooth transaction experienceKey External InteractionsPurpose of InteractionCustomersFor building and maintaining relationships, seek out new business opportunities and understanding the financial needs of the customer to provide suitable solutionsSECTION V: KNOWLEDGE & EXPERIENCEKNOWLEDGEMinimum QualificationsBachelors degree in any fieldMasters degree in Finance is preferredProfessional CertificationsN/ALanguage SkillsWritten and spoken English is essentialKnowledge of local language in regional markets is beneficialEXPERIENCEYears of ExperienceA minimum of 0-6 years of relevant experience with at least 0-3 years in a similar roleNature of ExperiencePrior experience in BFSI sector/General industry in Relationship managers role or prior experience as Credit Analyst in financial services industry with a zeal for relationship management

• The candidate should be able to independently handle client relationships and close deals with minimal guidance.
• Candidates with knowledge of latest payment systems & developments in fintech space are preferred
• Candidates should have experience of working in a target oriented environment with 4-8 years of experience

SECTION VI: COMPETENCIES & KEY PERFORMANCE INDICATORSBEHAVIORAL COMPETENCIESCore CompetenciesCompetency NameBehaviorsCustomer FocusListens to and demonstrates an understanding of customers stated and unstated needsDelivers customer value through timely and quality execution of tailored customer solutionsDevelops an understanding of problems and employs existing or new methods to find solutionsProfessional EntrepreneurshipTakes proactive and constructive action at work with little or no direction from othersDisplays responsibilities for problems, initiatives and tasks that lie within the domain of own roleDrive for ResultsSeeks to understand the rationale for key decisions and understands implication for own role / actionDisplays a sense of urgency to deliver outcomes as per stated timelinesReacts to challenges by displaying optimistic demeanorInfluence and ImpactUses simple persuasion techniques to achieve the desired result / action / commitment from othersResponds to stated requirements of internal / external stakeholders by keeping a solution oriented mindsetQuality FocusEnsures adherence to quality standards in work / service delivery, identifies opportunity for improvement in routine course of workAdherence to laid down system and procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvementLeadership CompetenciesCompetency NameOn BehaviorsN/AN/AN/AN/AN/AN/ATECHNICAL COMPETENCIES Technical CompetenciesStrong communication skills (Written and verbal)Ability to penetrate markets, generate new to bank customers and enhance existing relationships.Knowledge of designated products such as Savings Account, Current Account, Term Deposit etc.Ability to understand customer behavior

Keyskills :
communicationclientmanagementprocess complianceacquisitioncross sellingdocumentationfinancial analysisbanking productsrelationshipskills