pcarm

 Job Title: PCRM (Premium Current Account RM) 

Overall Goal:  Current Account RM will be responsible for   Acquisition of new Business Entity customers and creating CA Book   Management of  Acquired Current Account customers   Enhancement of the relationship by cross-selling products and services as per the profile & need of the these current account customers   Deepening 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  Make RBL Bank a primary bank for customer and get maximum wallet share 

Key Result / Responsibility Areas: 

a) Acquisition of Business Entity (Current Account) customers –  Acquisition of NTB High Value Current Accounts   NTB Acquisition of Current accounts dealing in international Trade  Identify and Acquire New to Bank working capital limit customers with Trade Limits viz Buyers Credit, PCFC, LC,BG etc  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 customer on regular basis and ensure that Group company and Family customers also bank with RBL Bank  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 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   Basis customer business requirement cross sell products like POS , Payment Gateway, Trade /Forex ( LC /BG/ Remittance /OD) , Doorstep Banking Services.  Cross Sell various RBL Bank products like TPP, FD. Credit Card, Loans to customers and related group business/ family   Drive active business transaction through RBL bank account   Should know the customer’s business in order to provide banking and financial solutions  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  

Competencies:   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 financial Industry.