Job Description
Current Account RM will be responsible for the acquisition of new Business Entity customers and creating CA Book while looking after the management of Acquired Current Account customers. Enhance the relationship by cross-selling products and services as per the profile & need of the current account customers. Deepen the size of the relationship and retention of the customers by providing the best possible services and being the dedicated point of contact for these customers
Key Responsibilities
a) Acquisition of Business Entity (Current Account) customers –
Ø Acquisition of NTB High Value Current Accounts
Ø NTB Acquisition of Current accounts dealing in international Trade
Ø Identify and Acquire New to Bank working capital limit customers with Trade Limits viz Buyers Credit, PCFC, LC,BG etc
Ø Acquire New to Bank customer requiring Assets Limits Business Loans, Cash Management Services & Door Step Banking, API Banking and other allied Current Account services
RM will have to create his own CA book by self-sourcing, Market Visit & Industry & Area Scoping, External References & Leads.
b) Portfolio Management –
· Engage with Acquired customers on a regular basis and ensure that Group company and Family customers.
· Regularly interact with the customer to build rapport, customer profiling should be used to set customer level objectives post discussion branch Manager/TL. Customer interaction to be regular updated in the system provided.
· Ensure that within each customer group a minimum number of stipulated Income Generating products are sold as per the customers profile and needs. RM to Cross sell appropriate products to the customers and ensure activate usage.
· Enhance Values within each of the customer groups by ensuring that a/cs are activated
· Cross Sell Bank Products for revenue generation and engagement
Ø Basis customer business requirement cross sell products like POS , Payment Gateway, Trade /Forex ( LC /BG/ Remittance /OD) , Doorstep Banking Services.
Ø Cross Sell various Banking products like TPP, FD. Credit Card, Loans to customers and related group business/ family
Ø Should know the customer’s business in order to provide banking and financial solutions
Ø Register customer for various Direct Banking Channels of the bank
B) Customer Services
· Ensure quality customer service is delivered
· Recording complaints as per the specified process
· Resolving all complaints received from portfolio customers within the stipulated TAT’s and ensure appropriate customer communication on closures
· Preventive complaint management by regular interaction with the customers
C) Target Achievement
· PC- RM will be given a quarterly and yearly target on revenue, product cross sell and book value build up
· Basis the Target the RM will be tracked on regular basis for achievement of the Targets
· CA RM will be evaluated on Portfolio Score Card
Desired Experience & Qualification
- Above 3 years in a Current Account /Trade- Forex sales & / or relationship role
- Sales and Influencing Skills
- Banking Product & Process Knowledge. The candidate should have past experience of Current Account product & processes, Trade & Forex , Door Step banking and other current account related products.
- Planning and Organizing Skills
- Communication & Writing skills
- Knowledge of Competition & Current trends in the financial Industry.