Relationship Manager Emerging Enterprises Group Working Capital

JobTitle: RM-EEG

BusinessUnit: Emerging Enterprises Group

Team: Emerging Enterprises Group

Reportsto(job): Territory Head

Locationofrole: Ludhiana, Panipat, Bahadurgarh

JobFunction: Sales

RoleType: Individual contributor JobBandRange: E1 E4

TravelRequired: Candidate should be comfortable in travel for work in assigned locations.

* Education Qualification-: Candidate should be comfortable in travel for work in assigned location. Experience-: Candidate should have experience in Working capital, banking, sales, client acquisition, term loan ,overdraft limits, micro small medium enterprises funding, unsecured and secured loans funding.

Note-: Only local candidates preferred for this role. Interested candidates can send their resumes at mail id-: [HIDDEN TEXT] & [HIDDEN TEXT] .

JobPurpose

To run initiatives in line with key objectives of the Business in order to attain the banks objective of business leadership.

KeyResponsibilityAreas:Actionable

Branch Management 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

Lead generation/logins 1. Planning the above so that it translates into 2 calls per day/2

appointments per day

2. Send the communication to the customer on documents

required

3. Follow up the on the calls made for documents/arrange for

pickup of documents

4. Check for completeness of documents

5. Go through the Financials/bank statements for

churn/bounces/interest servicing

6. Collection of property documents for legal/valuation - check

for completeness chain docs etc.

7. KYCs

8. List down the points to be clarified from the customer

9. Fill in the FAQs post discussion with the customer

10. SPE updation

11. Submission of file to ops for scanning

12. Submission of docs for legal/valuation

13. Co-ordination with customer/valuer

14. Buyer/supplier ref check -----> Ref leads

Cross Selling 1. To be the one-stop shop for each of our EEG clients and

provide suitable gamut of financial products such as

Insurance, CASA, Credit Cards, Other Assets Products as

required by the customer.

2. Monitor and track Leads.

Renewals 1. List down the renewals every month for the next two months

2. Work on the renewals in advance

3. Mail to the respective customers on docs required for

renewal

4. Follow up weekly twice for docs

5. Arrange for collection of documents

6. Check the documents for completeness

7. Study the financials/bank statements/churn/interest

servicing/aberrations from the stated nos

8. Speak to the customer for addressing issues/aberrations

9. SPE

10. Hand over to ops for scanning

11. follow post login formalities

12. For renewals overdue and having genuine delay put up for

extensions

CAM conditions review/OBA review 1. Churn review for OBA once a month

Classification - Confidential

Classification - Confidential

2. Conditions review once a month

3. If OBA waiver required/check for justification/check for

churn/put up to the authority

4. If not inform the customer on closure of OBA/levy of 2%

penalty

5. Same for CAM conditions

Call Memos

1. List down the call memos due for the quarter

2. Review of ASR/ACR/cam conditions/deferrals for the

customers

3. Meet the customer and understand the business/issues if

any

4. Upload the call memos in shock and awe for

endorsement/noting

Portfolio Management and Housekeeping (HK)

1. Reduce HK.

2. Closure of critical and high aging items

Stock insurance/property insurance

1. Communicate the premium to the customer after listing down the pendency

2. Collect docs if required

3. Submission to OPS

Delinquency management

1. Depending upon severity of each case - Customer Call for

servicing Interest.

2. Email communication to Branch & customer

3. Personal Visit to Customer Joint Visit with Credit Manager;

4. Rigorous follow-up

Complaints : CRM MD PNO CRO

1. Analyze complaint

2. Seek resolution post discussing with Customer

EducationalQualificationsKeySkills

Educational Background C.A, MBA,

Graduate Interpersonal Skills

Coordination with multiple teams & multiple activities Ability to work under pressure.