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RMIFGECG

2.00 to 3.00 Years   Rajkot   07 Dec, 2019
HDFC Bank Ltd
Job LocationRajkot
EducationNot Mentioned
SalaryNot Disclosed
IndustryBanking / Financial Services
Functional AreaSales / BD
EmploymentTypeFull-time

Job Description

  • 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 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) 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 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.
  • 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 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 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.
Skills
  • Excellent communication skills with the ability to acquire and manage a wide and varied portfolio of clients
  • Excellent knowledge of Banking Products & EMI loans (Infra/ commercial equipment market understanding is desirable)
  • Sound business acumen and a high degree of financial management capability
  • Good selling skills to deal with B2B and B2C clients
  • Effective time management skills
  • Highly self-motivated and dynamic, enthusiastic and passionate with a desire to succeed
  • Assertive approach and good in convincing different stakeholders
  • Problem solving approach, learning attitude, innovative in structuring the deals
QualificationsCA or PGDM/MBA or Engineers from reputed institute. Certifications: AMFI Certification (Optional) NCFM Certification (Optional) CAIIB (Optional) Internal Certification Insurance certification (optional),

Keyskills :
product mixselling skills time managementbusiness acumen banking productssenior management financial managementrelationship buil

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