Job Purpose : 

- Responsible for including HNI customers into the Preferred programme and offering them a superior customer experience to enhance the profitability of the relationship by increasing the relationship size, cross selling the right products, acquiring family a/c- s, retaining and enhancing the relationship. The RM is also responsible for acquiring new to Bank Imperia relationships.

- To be a one point contact for all his financial needs and services, thus enhancing current relationship value and wallet share which will further increase profitability from these relationships.

Key Responsibility Areas : 6 - 8 Areas Activities

- HNW Portfolio Management (Acquiring, Enhancing, Deepening and Retention)

- Liaising with PB/Preferred RM to flag eligible customers form Classic/Preferred portfolio

- Acquire new customers who meet product criteria

- Regular interaction with the customer to build rapport to understand and update the profile.

- Enhance the Overall value/book size of the portfolio

- Maintain the overall quality/hygiene parameters of the portfolio

- Cross selling products of the bank based on the customer need

- Joint calls being done along with Supervisor as per defined process

- Advisory services to be offered based on the requirement in coordination with PBG.

- Attrition control of customers

- Achieving MTD and YTD Revenue Targets

- Operations, Marketing & Processes

 - Error free documentation for all account opening and all customer instructions (Stop payments, FD Closure, etc)

- Ensure KYC/AML norms are adhered to at all points of time

- Ensure that 5-S norms are adhered to for individuals workstation

- Increase in wallet share 

- Look for opportunities to cross sell any other product of the Bank, to ensure that HDFC Bank is a one stop shop & solution for all banking needs of the Imperia Customer

- Sales to family members and associates (all network)

- Ensure that optimal levels of Income generating Product Group Holding (IPGH) is reached

- Product Penetration & contribution towards focused product

- Ensure that an optimal level of Income generating Product Group Holding (IPGH) is reached.

- Enhance client's Customer To Group ( CTG ) level

- Customer Service : Ensure quality customer service is delivered. All customer queries and complaints are being resolved within TAT.

- Customer is informed about any regulatory or process change. Keep the customer updated on program features.

- Ensure timely customer communication on requests and concerns raised.

- Proactive complaint management through feedback from customers.

- Promoting all direct banking channels and ensuring that the customer is utilizing the same

- Ensuring that customers are introduced to the RBH/BM and PSO (PBA in case of a non PSO branch) so that there is back up when the customer visits the branch and the RM is out

- Ensure smooth transition of handover/takeover of the portfolio

Educational Qualifications 

Key Skills(examples listed below) : 

- Graduation

- Post-Graduation

Certifications:

- AMFI Certification

- IRDA Certification

- NCFM Certification (Optional)

- Sales and Influencing Skills

- Banking Product & Process Knowledge

- NRI Product and Regulatory Knowledge

- Planning and Organizing Skills

- Good Communication skills

- Knowledge of Competition & Current trends in financial Industry.

Experience Required :

- Minimum experience in years : 2 to 6

- Exposure to Portfolio Management segment (Preferred)

- Major Stakeholders(intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)

- Customers

- Branch Banking Team

- Operations

- Product Team

- Asset Team

- Treasury

- Credit

- Life/General and Health Insurance Partners

- AMC's

- HDFC Securities

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