About the job

Locations: Delhi NCR, Noida, Gurugram, Chandigarh, Lucknow, Shimla, Ludhiana, Amritsar, Jammu and Kashmir, Dehradun, Agra

Products: All Assets products, Business Loans, SME, Mid corporates, Trade, Affluent Segment, Rural Banking, Government Banking, Private Banking

The Retail Banking Group of the Bank serves customer segments such as individuals, business banking, government, and retail institutions. Our customer relationship teams are present across the country through a wide distribution of over 5,200 branches. Further, our Digital Banking services offer the full spectrum of banking solutions to our customers. The relationship teams and the digital channels complement each other to offer a unique value proposition to our customers. In our endeavor to offer 360-degree banking, we have adopted a unique customer-centric approach to Stack. Click here to know more. Stack covers the full spectrum of banking services consisting of bank accounts, payments, banking transactions, credit cards, personal loans, mortgage loans, vehicle loans, business & institutional banking solutions etc.

The Retail Banking Group includes various departments like Self-Employed Segment, Mortgage, Branch Banking, Affluent Segment, Auto, Cards and Personal Loans, Eazypay etc.

Role of a Relationship Manager

As a Relationship Manager, you get an opportunity to engage with high-value customers of the Bank and offer 360 degree-banking solutions. You are responsible for developing, and expanding the Bank Customer family, by providing unique, fair and optimum solutions considering the evolving needs of our customers. As a relationship manager, you would be required to continuously understand the evolving customer preferences, and market trends and identify new opportunities for the growth of your portfolio. The role requires you to collaborate seamlessly across teams at Bank to offer superior service and ensure a quick turnaround time for all customer queries and requirements. As we deepen our market presence, we are in search of an experienced relationship manager to nurture customer relationships and onboard new customers. As a relationship manager, you understand the fundamental drivers of the market, business, customers, and competitors. Your insight is critical to making the right decisions in the pursuit of long-term customer and business value. We are seeking a qualified relationship manager to extend our market reach through expert discovery and exploration of new and untapped business opportunities and relationships. Our ideal candidate will be trusted to dive right in, take the lead, use initiative, and help build Bank as the preferred bank amongst our customers. Key accountabilities include customer feedback and defined business outcomes.

Key deliverables

Partner with customers through their life-cycle and offer suitable products and services based on their financial needs

Nurture the current customer relationships while maintaining the quality of the portfolio

Expand and develop the customer base by onboarding new customers

Analyze consumer needs, current market trends, and potential partnerships to offer unique and technology-driven solutions

Collaborate and coordinate to implement different marketing strategies

Formulate sales strategies, and tap into cross-selling and upsell opportunities, to ensure maximum customer reach

Collaborate with product specialists, subject matter experts, and credit and service teams to ensure structured and customized solutions as per the requirement of customers

Offer 360-degree banking to the individual, professional and business ecosystem

A customer seeks insights and advice and hence superior knowledge and service are distinguishing factors of success

A few of your daily activities may include:

Monitor and evaluate industry trends and customer drivers

Collaborate frequently with internal stakeholders to work towards the right solutions and market strategy

Manage proposal response process

Generate new leads, identify and contact decision-makers, screen potential business opportunities, select the deals in line with strategies, and lead and facilitate pitch logistics

Develop and implement overarching sales and customer relationship strategy, sales processes and structure

Support deal structure and pricing with business value analysis

Educational Qualifications

The candidate should have a Post-Graduate/MBA degree with a specialization in any stream; Or a Graduate degree with experience in relationship management in any industry

Experience

The relationship Manager shall have an overall experience of 3-10 years in sales and relationship management in any industry. Applicants from across industries can apply.

New joiners will be assigned a specific portfolio in one of the customer segments. Bank equips new employees with the right product and sales process knowledge. The training programs are comprehensive and endow participants with the right required skills to serve customers effectively