HDFC Bank Relationship Manager Working Capital Infrastructure Finance Group

Job Description

INFRASTRUCTURE FINANCE GROUP RM WORKING CAPITAL - BADDI, JALANDHAR & CHANDIGARHJob Roles & Responsibilities:- 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)- 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 customers needs.- To ensure Fee and other income growth including NFB income lines mix and growth (BG/ LC)- 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- 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.- 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 TATs- Initiatives, process innovation beyond normal work- Geography/ Area handling to ensure coverage including the Rural initiatives, along with Branch/ OEMs.- 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- 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 IIM Jobs