Premium Current Account Relationship Manager

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.

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