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