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Relationship Manager |
Sales Manager |
Responsibilities
- Complete ownership of a portfolio of between app. 25 productive accounts. The number of accounts managed may vary depending upon asset size of the portfolio, geography covered, operational intensity and branches mapped to the RM. He is bank’s face to the customer.
- Responsible for the growth of the portfolio (organic and inorganic), ensuring targets are met and there is availability of an increased revenue stream.
- Cross sell: Ensuring lead conversion of leads generated by branches. To be on the permanent look out for cross sell opportunities within his domain. Cross sell of CASA / FDs, TPP, other product requirements to existing customers.
- Credit Management & Housekeeping: Primarily includes CAM preparations and timely renewals, obtaining and closing deferrals, plant and site visits and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance. TOD management.
- Ensuring the quality of Portfolio: Be on the lookout for stress signs in the client operations / activity and address them.
- Day to day Activities
- CAM / SRM
- Documentation pre-sanction and post sanction
- Customer negotiation on rates and other terms
- Updating LTS and conversion of leads
- Customer profiling sheet and identifying cross sell / revenue increasing opportunity.
- Regular Branch interaction
- Daily servicing of customer
- Call Memo preparation
- Site visit / plant /property visitation
- Supporting RMs for the above activities for their accounts
Requirements
- Minimum 2 to 3 years experience in working capital product
- Minimum Post Graduation in Management or Chartered Accountant
- Strong Analytical and Judgmental capabilities, communication skills, basic knowledge of a wide range of bank’s products.
- Interest in understanding operations, IT, TF and treasury functions.
Location: Burra Bazar, Kolkata, Guwahati, Ludhiana, Chandigarh, Amritsar, Pali, Jodhpur, Balotra Jaipur, Banglore, Surat, Kolhapur, Pune, Ahmedabad, Gonal/Jetpur, Jamnagar, Chattisgarh, Calicut
Responsibilities
- Adding 3 new customers per month from the branches mapped to the individual
- Managing the credit relationships of customers in these branches. In single city or new locations, the Sales Manager may start with NIL or a small number of existing credit relationships.
- Market scoping and identifying the potential customers jointly with branch banking team.
- Working on the branch’s existing customer base along with branch RM for opportunity to sell working capital asset facilities.
- Following the laid down sales process by Call Reports preparation and Daily Sales Report preparation.
- Credit note preparation & to regularly co-ordinate with Credit & Ops team
- Documentation pre-disbursement and post disbursement
- Housekeeping including renewals, deferral closure, call memos, stock statements, insurance renewals, plant visit, site visit, property visitation, etc
- Stressed accounts / Exit account management, follow-up and regularization of TOD’s
Requirements
- Minimum 1 to 3 years experience in working capital product
- Minimum Post Graduation in Management or Chartered Accountant
- Strong Analytical and Judgmental capabilities, communication skills, basic knowledge of a wide range of bank’s products.
- Interest in understanding operations, IT, TF and treasury functions.
Location: Durgapur, Cuttak, Tinsukia, Gurgaon, Ludhiana, Sangrur, Rajpura, Hoshiarpur, Moga, Kapurthala, Pathankot, Batala, Muktsar, Padrauna, Pondicherry, Calicut, Gulbarga, Quthbullapur, Guntur, Vizag, Aurangabad, Kolhapur, Pune, Kadi, Sanand, Gandhidham, Morvi, Godhra, Surendranagar, Khambhalia, Una, Indore, Sagar, Burhanpur, Chattisgarh, Bhilai
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