Relationship Manager-Micro Enterprises Group

Classification - Restricted
Job Name Relationship Manager
Job Title : Relationship Manager Retail working capital
Business Unit: Emerging Enterprises Group
Team : Emerging Enterprises Group
Reports to (job) : Territory Head
Job Fn : 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 : Actionable
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
Classification - Restricted

Classification - Restricted
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
Classification - Restricted

Classification - Restricted
Educational Qualifications Key Skills
• Educational Background – Graduate • Interpersonal Skills
• Coordination with multiple teams & multiple activities
• Ability to work under pressure.
Experience Required:
• Total Work experience – 1-3 years
Major Stakeholders
• Branch Banking Team
• Operations
• Product Team
• Credit
Classification - Restricted