Business Development Relationship Manager (UB-BB-SB-BDRM)

Job description

- POSITION DESCRIPTION **JOB TITLE** Business Development Relationship Manager **GRADE** : M **DEPARTMENT** Branch Banking **LOCATION** : Branch **SUB-DEPARTMENT** Sales **TYPE OF POSITION** : Full-time **REPORTS TO** Branch Manager-Branch Banking **REPORTING INTO** NA - ROLE PURPOSE & OBJECTIVE The incumbent will be primarily responsible to - - Acquire new Priority/HNI customers for liabilities from open market - Plan and execute activities with the objective of acquiring Priority/HNI customers - Digital Adoption- Ensure that all onboarded customers are using our digital banking channels - Ensure that Cross-sell targets assigned are met for Third Party Products such as Life Insurance, General Insurance, Health Insurance, Mutual Funds, SIP etc. - Ensure that other targets assigned such as Forex, Cards are met through NTB customers. - Ensure that Asset cross-sell is done basis target assigned (if applicable in respective branches) - SIZE OF THE ROLE **FINANCIAL SIZE** **NON-FINANCIAL SIZE** - Current Account Numbers- 1 - Savings Account Numbers- 6 - Current Account Values- 1.5 Lakhs - Savings Account Values- 18 Lakhs - TD Values- 15 Lakhs - TPP- 1 Lakh Premium in Insurance **(Subject to changes basis Management decision)** - Current Account Products- Esp Maxima & HNI Products - Savings Account Products: - Esp Maxima & HNI Products - Fixed Deposits - Life Insurance - Health Insurance - General Insurance - Mutual Funds & SIPs - KEY DUTIES & RESPONSIBILITIES OF THE ROLE **Business** - Meet set targets on liabilities in terms of Priority/HNI open market acquisition & customer conversion via activities - Understand need and acquire Priority/HNI customers who meet the criteria for liability products through either of the below channels: - Leads generated by branch staff and personal leads - Activities - Alternate channels - Maintain the database of the prospects, meet select prospects and manage the relationship thereafter till specified tenure - Digital Adoption- Ensure that all onboarded customers are using our digital banking channels - Ensure that Cross-sell targets assigned are met for Third Party Products such as Life Insurance, General Insurance, Health Insurance, Mutual Funds, SIP etc - Ensure that other targets assigned such as Forex, Cards are met through NTB customers. - Ensure that Asset cross-sell is done basis target assigned (if applicable in respective branches) - Share customer insights/product related feedback with the Sales Manager - Liabilities **Customers** - Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services - Reduce customer dormancy and customer attrition by continuous engagement / interaction - Resolve customer queries on all products offered by the bank. **Internal Processes** - Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents - Strictly adhere & maintain compliance to KYC norms - Drive the usage of alternate channels such as Internet Banking, Mobile Banking, Rewards Program, ATM etc. - Adhere to all laid out Rules, Regulations and Internal procedural guidelines with utmost integrity. **Learning & Performance** - Maintain up-to-date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch - Ensure adherence to training man-days/ mandatory training programs for self Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines - MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS **Educational** **Qualifications** - Graduate, preferably in commerce and related streams **Experience** - 3-5 year experience, preferably in sales **Certifications** - AMFI & IRDA Certified **Functional Skills** - Basic knowledge on retail banking products - Documentation skills - Process compliance focus - Communication skills: fluent in the local language - Basic knowledge on Competition’s offerings **Behavioral Skills** - Courteous customer service skills - Time Management - Selling skills - Telephonic cold calling skills - Willingness to travel & relocation as per business requirements and career opportunities **Competencies** - Planning & Organizing - Driving Execution - Managing Relationships - Customer Focus - KEY INTERACTIONS **INTERNAL** **EXTERNAL** - Branch Team – Unsecured Loans Officials; Secured Loans Officials; Operations team - Regional Product & Marketing team - State HR - Customers **PREPARED BY: Sanat** **DATE: 21-06-2025** **Date** **REVIEWED BY:** **LAST UPDATED BY: TM Team** **DATE: 30-06-2025**