Current Account RM

RBL Bank PCRM (Premium Current Account RM)

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 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 customers and get maximum wallet share

Key Result / Responsibility Areas:

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 customers 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.

Portfolio Management:

• Engage with Acquired customers 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 with branch Manager/TL. Customer interaction to be regularly 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 active 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 requirements, 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 transactions 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

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

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 products & 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.

Preferred Sector:

BSFI

Education:

Post Graduate

Experience:

Above 3 years in a Current Account/Trade-Forex sales &/or relationship role in any of the sectors mentioned above.

Reporting:

CA RM will report to Branch Managers.

** This is a sample job description for reference purposes **