Job Title: Assistant Relationship Manager-Rural Business Banking

Business: Rural Banking

Function/ Department: Rural Business Banking

Job Purpose:

The role entails providing financial solutions to meet the working requirements of Rural business banking customers and ensuring best-in-class relationship management and customer experience to become their banking partner of choice. The role bearer is responsible for asset NTB client acquisition along with liabilities and Third-Party Products. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing, and deepening.

Roles & Responsibilities:

• Responsible for acquiring new customers for business banking with a detailed understanding of credit assessment.
• Knowledge on liability, Third-party products and client relationships, delinquency management, relationship management, and an analytical mindset.
• Managing the portfolio effectively through continuous monitoring of accounts and renewals, enhancement, retention and ensuring portfolio hygiene with minimal open deferral and covenants.
• Develop a superior working relationship with branch banking for cross-leveraging & synergy optimization and work within the overall bank ecosystem with other stakeholders.
• Recommend process changes in order to improve service efficiency and quality across the branch network.
• Demonstrated ability in sales planning and conceptualizing promotions and marketing initiatives.
• Understanding of financial statements, credit Assessment and title-security documents

Key Success Metrics:

NTB Business, Quality of Sourcing, Meeting m-o-m activation and productivity target, No Quick Mortality, Activating all assigned branches for leads. Superior TAT and conversion rates, No overdue charge perfection, Ontime renewal, CASA and Fee income generation, Irregularity resolution, Deferral closure, NTB Cases done (including referral from existing customer), Onboarding & Activation, Product deepening.

Educational Qualifications:        

Graduation: Bachelor?s in engineering / Technology / Math?s / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management.

Post-graduation: PG will be preferred

Professional Qualification: NA

Experience: 2-3 years of relevant experience in business banking / working capital financing.