Rm- Infrastructure Finance Group - Gurgaon, India - Abacus Consultants

Abacus Consultants

Verified Company

Gurgaon, India

2 weeks ago

Posted by:

Deepika Kaur

beBee Recuiter

Description

Any Graduate

WC- BBG

Job Name:
Relationship Manager - IFG

Job Title :
(Job Name) -Relationship Manager

Business Unit (PA) : Infrastructure Finance group

Team :
(Sub team in the PA)** - IFG

Reports to (job): Unit Head - IFG

Location of role :
Pan India

Job Fn :
Sales

Role Type:
Individual Contributor

No of direct reportees:
Nil

Travel Required:
Moderate

**Job Band Range:

JD Created date:
NA

JD Updated date :

**JD approved by (business):

Version No :2.0

Job Purpose

To achieve over all business targets on volumes and profitability for the specific and NTB customers for Infrastructure Finance Group.
Ensure Portfolio Growth and Management in line with business segment's objectives

**Job Responsibilities(JR): **Actionable
Asset Growth

Identifying potential and scoping the clients for Asset growth (Budgeting)
Ensure YoY Asset growth in line with verticals targets
Responsible for managing the accounts/ clients for desired asset growth as per plan for the year
Increasing Asset Product Mix for the client
CC/OD/WCDL/TL/DRUL etc
Increasing the asset book by acquiring new customers (NTB)
Portfolio monitoring and review (ALM/ Tableau/ Business MIS)

Core Income

Planning the income targets at start of the financial year
Ensure YoY Income growth in line with verticals targets
Portfolio monitoring to meet the MoM revenue plans. Tracking of performance at regular intervals to monitor income variance with budgets; formulating and implementation of plans to meet income targets for the portfolio
Monitor and deliver on Incremental/ Portfolio Yield as per Plan
Revenue maximization through offering of right mix of Products as per customer's needs.
To ensure Fee and other income growth including NFB income lines mix and growth (BG/ LC)

Liability

To meet Liability growth in line with Assets growth to meet the Self-Funding Plan for the year
To be the face of the Bank for all products and services that a customer needs viz CA/ SA/ FD/ Customers Salary Account etc
To engage continuously with Bank Branch Channel to ensure delivery of product/ services

Key Objectives

To plan and meet Key Objectives set for the year by senior management which need special focus by team.
To promote KOs like Cross sell of Bank products, driving branch business etc
To ensure PSL/Agri targets of the portfolio is achieved
Engaging customers for Promotion of digital drives of the Bank like Enet/NetBanking, TON, SME digital, Mobile Banking, PayZapp, Insta Alert, Smart Buy, etc from time to time.

Qualitative objectives

Relationship building with both internal and external customers
Ensuring and tracking required client calls for both existing and prospective clients on CRM.
Preparation of CAM, engaging with Credit for approval, and engaging with Operations for disbursement and ensuring defined TAT's
Initiatives, process innovation beyond normal work
Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEM's.
To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targets through active hand holding
To track Market and Competition
Product Holding per client

Housekeeping

To keep proper track on Housekeeping for the Healthy portfolio
PDD, Deferrals, to be ensured within defined levels
ORMC deferrals to be nil
Management of stress and critical accounts, timely exits and resolving the NPA/ Writeoff cases
Managing Call Memo, CAM renewals, minimum SRM
Ensure that business is conducted as per Banks and RBI guidelines

**Educational Qualifications

Key Skills
CA or PGDM/MBA or Engineers from reputed institute.

Certifications:

AMFI Certification (Optional)
NCFM Certification (Optional)
CAIIB (Optional)
Internal Certification
Insurance certification (optional)
Excellent communication skills with the ability to acquire and manage a wide and varied portfolio of clients
Excellent knowledge of Banking Products & EMI loans (Infra/ commercial equipment market understanding is desirable)
Sound business acumen and a high degree of financial management capability
Good selling skills to deal with B2B and B2C clients
Effective time management skills
Highly selfmotivated and dynamic, enthusiastic and passionate with a desire to succeed
Assertive approach and good in convincing different stakeholders
Problem solving approach, learning attitude, innovative in structuring the deals

Experience Required