We are hiring RM - MEG - For Across Rajasthan

Job description

Role Name - Relationship Manager - Micro Enterprise Group

Business Unit: Emerging Enterprises Group

Locations - Across Rajasthan

Multiple Location Names: Mavli, PRATAPGRAH, Bharatpur, Kuchaman City, Shahpura-Shahpura, Indra Vihar 2, Kota, Hindaun, Niwai, Khairtal, Dholpur, Falna, Chhabra, Bhawani Mandi, Gulabpura, Udaipurand other city in across Rajasthan etc.

Those who are Interested, can share their resume with sunil.maheshkar@hdfcbank.com

While sharing resume, Please mention subjecting as RM MEG - Interested Location

Job Description:

To build and manage relationships with new and existing clients so as to ensure income generation from sale of product- Dukandar Overdraft relevant to the client - Shopkeeper. • Acquisition and managing a portfolio of existing relationships and achievement of overall business targets. • Experience in Banking sector in SME/mid-marked/Corporate banking domain with understanding of various bank facilities like, Overdraft, etc.

Need Candidate who are Interested in Field sales

Job Purpose

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

Key Responsibility Areas :

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 as per product

6. KYCs

Cross Selling

1. To be the one-stop shop for each of our Express OD 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. Work on the renewals in advance for customers who are not getting auto renewed

2. Mail to the respective customers on docs required for renewal

3. Follow up weekly twice for docs

4. Arrange for collection of documents

5. Check the documents for completeness

6. Study the financials/bank statements/churn/interest servicing/aberrations from the stated nos as per product requirement

7. Speak to the customer for addressing issues/aberrations

8. For renewals overdue and having genuine delay put up for extensions

Churn into WC account

1. Post disbursement ensure that all business churn comes to HDFC bank account

2. If OBA waiver required/check for justification/check for churn/put up to the authority

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

Call Memos

1. Express OD Monitoring to happen basis central triggers, customers falling in triggers and if not contacted virually to be met by RM as required frequency.

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

• Educational Background Graduate
• Interpersonal Skills
• Coordination with multiple teams & multiple activities

Ability to work under pressure