Job Name : Relationship Manager - IFG

Job Title :(Job Name) - Relationship Manager

Business Unit (PA) : Infrastructure Finance group ( HDFC Bank Kanjurmarg )

Team : (Sub team in the PA) - IFG

Reports to (job) :Unit Head - IFG

Location of role : Mumbai

Job Fn:Sales

Role Type: Individual Contributor No of direct reportees: Nil Travel Required: Moderate

Job Band Range : E1 - E4 / D1 JD Created date:NA JD Updated date :24-12-2018

JD approved by (business) : S1258, Shantanu Samarendra Chakrabarti 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 monitoringto 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 businessetc

- 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, alongwith Branch/ OEM's.

- To mentor, manage and motivate the SOs/HBLs reporting to the RM and guide them to achieve targetsthrough 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/ Write-off cases

- Managing Call Memo, CAM renewals, minimum SRM

- Ensure that business is conducted as per Banks and RBI guidelines

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