• Job Name: Relationship Manager
• Job Title: Relationship Manager -MEG/ RM-EEG
• Business Unit: Emerging Enterprises Group
• Team: Emerging Enterprises Group
• Job Function: Sales
• Job Purpose: To run initiatives in line with key objectives of the Business in order to attain the banks objective of business leadership.
• Key Responsibility Areas:

1. Plan the branch visits detailing the coverage every week
2. Meeting the branches during the morning meeting - every branch once a month
3. Scoping the RM/PB customer for lead/joint calls OR make use of available resources in the branch for leads/joint calls
4. Planning the catchment area activity/scoping for lead generation/joint call
5. Ensure RM/PB activation from the activities above and review of branch performance/resource wise performance/review with CH as and when required.
6. Creating excitement in branches/spot sanctions/contests/recognition program
7. Check CRM daily and review the leads/update follow up leads/with dates
8. Document branch meeting through Cogent/mails
9. Lead generation/logins
10. Planning the above so that it translates into 2 calls per day/2 appointments per day
11. Send the communication to the customer on documents required
12. Follow up the on the calls made for documents/arrange for pickup of documents
13. Check for completeness of documents
14. Go through the Financials/bank statements for churn/bounces/interest servicing as per product
15. KYCs
16. Cross Selling Renewals
17. To be the one-stop shop for each of our Express OD clients and provide suitable gamut of financial products such as Insurance, CASA, Credit Cards, Other Assets Products as
    required by the customer.
18. Monitor and track Leads.
19. Work on the renewals in advance for customers who are not getting auto renewed
20. Mail to the respective customers on docs required for renewal
21. Follow up weekly twice for docs
22. Arrange for collection of documents
23. Check the documents for completeness
24. Study the financials/bank statements/churn/interest/servicing/aberrations from the stated numbers as per product requirement
25. Speak to the customer for addressing issues/aberrations
26. For renewals overdue and having genuine delay put up for extensions
27. Churn into WC account
28. Post disbursement ensure that all business churn comes to HDFC bank account
29. If OBA waiver required/check for justification/check for churn/put up to the authority
30. If not inform the customer on closure of OBA/levy of 2% penalty
31. Call Memos
32. Express OD Monitoring to happen basis central triggers, customers falling in triggers and if not contacted virtually to be met by RM as required frequency.
33. Delinquency management
34. Depending upon severity of each case - Customer Call for servicing Interest.
35. Email communication to Branch & customer
36. Personal Visit to Customer / Joint Visit with Credit Manager;
37. Rigorous follow-up Complaints : CRM / MD / PNO / CRO
38. Analyze complaint
39. Seek resolution post discussing with Customer
    

Educational Qualifications

Educational Background - Graduate
Interpersonal Skills

Coordination with multiple teams & multiple activities

Ability to work under pressure.
Experience Required:

Total Work experience: 1-3 years
Major Stakeholders
Branch Banking Team
Operations
Product Team
Credit