Verified Job
Accounting - Finance
Relationship Manager Working Capital
Accounting - Finance
#296775
Remote / WFH
Job Description
Job Title: Relationship manager – Business banking Working Capital
Location: Mumbai, Gujarat
Experience: 0-3 years of experience and minimum 1-year experience in Working Capital
Job Description:
• Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG
• Relationships depend on the geography covered and the branches mapped to the RM and maintained HNW
• Relationship management of the BBG customers to provide quality service to the customers.
Responsibilities:
Business Development:
• To achieve overall business targets on volumes and profitability for BBG customers.
• To regularly interact with the branches for lead generation for BBG updates on the leads in CRM, ensuring conversions and following the complete lead conversion process
• Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with the branch
• banking team.
• RM's have to follow the laid down sales process which involves updating the regular client calls for both existing and prospective clients these calls should be done in a structured manner either individually or with support groups, branches, or supervisors
• These calls should be updated in the CRM systems for future guidance and monitoring of accounts and to assign tasks & leads to other departments
• Monthly review to be done with various product groups and supervisors who support the RM’s portfolio (plan Vs achievement) and other cross-function teams to ensure better product penetration
• Improvement in yield for the Bank so that the Portfolio has a strong Return on capital at the RM portfolio level
• Documentation pre-disbursement (Doc collection, legal & TSR, Valuation, etc.) and post-disbursement sign-off from customers, including deferral closure Ensuring cross-selling of complete liabilities, corporate salary accounts, other asset products, TPP to the existing Relationships and its raised group accounts
• Increasing the IPH and CTG to ensure revenue maximization
Customer relationship management:
• Relationship building with both internal and external customers of the RM
• Client satisfaction and taking care of all banking needs of the customer
• Preparation of customer profiling sheet and identifying cross-sell and revenue-increasing opportunities
• CAM Preparation & query resolution
• Customer negotiation on rates and other issues relating to charges
• Daily servicing of customers w.r.t. Cheque referrals, customer queries related to Banking, Issuance of Cheque books, managing cash deposition/withdrawal issues, solvency certificates, trade &. Fx transaction, etc.
• To make sure a high level of client satisfaction
Coordinating with internal and external stakeholders:
• Co-ordination with credit for CAM approval, deferral waiver/extension & other customer requirements like Buyer’s credit, TOD’s
• Coordination with local Ops for disbursements, TOD limit setting, and submission of Stock statements.
• Coordinating with trade desk and customer for smooth LC/BG issuance, and for import/export payment, BG invocation, LC
• E-Net, CMS, and cross-sell of other such products
Ensuring Compliance and Health check of portfolio:
• Portfolio review and remedial management which includes managing exits, line reductions, recovery, and restructuring of exposures
• Management of stress and critical accounts
• Also ensuring completion of housekeeping dependencies including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visits, Site visits, etc.
• Follow-up and regularization of TODs
• High-value transaction reporting and tracking
Education Qualifications:
• Postgraduate in Finance or CharteredAccountant
Skills Required:
• Strong understanding of Financials and Balance sheets
• Strong Relationship Management skills
• Sales and Influencing Skills
• Strong Analytical ability
• Good Interpersonal and Negotiation skills
• Understanding of the Banking Industry
• Understanding of the SME sector
Location: Mumbai, Gujarat
Experience: 0-3 years of experience and minimum 1-year experience in Working Capital
Job Description:
• Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG
• Relationships depend on the geography covered and the branches mapped to the RM and maintained HNW
• Relationship management of the BBG customers to provide quality service to the customers.
Responsibilities:
Business Development:
• To achieve overall business targets on volumes and profitability for BBG customers.
• To regularly interact with the branches for lead generation for BBG updates on the leads in CRM, ensuring conversions and following the complete lead conversion process
• Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with the branch
• banking team.
• RM's have to follow the laid down sales process which involves updating the regular client calls for both existing and prospective clients these calls should be done in a structured manner either individually or with support groups, branches, or supervisors
• These calls should be updated in the CRM systems for future guidance and monitoring of accounts and to assign tasks & leads to other departments
• Monthly review to be done with various product groups and supervisors who support the RM’s portfolio (plan Vs achievement) and other cross-function teams to ensure better product penetration
• Improvement in yield for the Bank so that the Portfolio has a strong Return on capital at the RM portfolio level
• Documentation pre-disbursement (Doc collection, legal & TSR, Valuation, etc.) and post-disbursement sign-off from customers, including deferral closure Ensuring cross-selling of complete liabilities, corporate salary accounts, other asset products, TPP to the existing Relationships and its raised group accounts
• Increasing the IPH and CTG to ensure revenue maximization
Customer relationship management:
• Relationship building with both internal and external customers of the RM
• Client satisfaction and taking care of all banking needs of the customer
• Preparation of customer profiling sheet and identifying cross-sell and revenue-increasing opportunities
• CAM Preparation & query resolution
• Customer negotiation on rates and other issues relating to charges
• Daily servicing of customers w.r.t. Cheque referrals, customer queries related to Banking, Issuance of Cheque books, managing cash deposition/withdrawal issues, solvency certificates, trade &. Fx transaction, etc.
• To make sure a high level of client satisfaction
Coordinating with internal and external stakeholders:
• Co-ordination with credit for CAM approval, deferral waiver/extension & other customer requirements like Buyer’s credit, TOD’s
• Coordination with local Ops for disbursements, TOD limit setting, and submission of Stock statements.
• Coordinating with trade desk and customer for smooth LC/BG issuance, and for import/export payment, BG invocation, LC
• E-Net, CMS, and cross-sell of other such products
Ensuring Compliance and Health check of portfolio:
• Portfolio review and remedial management which includes managing exits, line reductions, recovery, and restructuring of exposures
• Management of stress and critical accounts
• Also ensuring completion of housekeeping dependencies including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visits, Site visits, etc.
• Follow-up and regularization of TODs
• High-value transaction reporting and tracking
Education Qualifications:
• Postgraduate in Finance or CharteredAccountant
Skills Required:
• Strong understanding of Financials and Balance sheets
• Strong Relationship Management skills
• Sales and Influencing Skills
• Strong Analytical ability
• Good Interpersonal and Negotiation skills
• Understanding of the Banking Industry
• Understanding of the SME sector
