Job Title: PCRM (Preferred Current Account RM)
Overall Goal: Current Account RM will be responsible for
Acquisition of new Business Entity customers and creating CA Book
Management of Acquired Current Account customers
Enhancement of the relationship by cross-selling products and services as per the profile & need of the these current account customers
Deepening the size of the relationship and retention of the customers by providing the best possible services and being the dedicated point of contact for these customers
Make RBL Bank a primary bank for customer and get maximum wallet share
Key Result / Responsibility Areas:
Acquisition of Business Entity (Current Account) customers -
Acquisition of NTB High Value Current Accounts
NTB Acquisition of Current accounts dealing in international Trade
Identify and Acquire New to Bank working capital limit customers with Trade Limits viz Buyers Credit, PCFC, LC,BG etc
Acquire New to Bank customer requiring Assets Limits Business Loans, Cash Management Services & Door Step Banking, API Banking and other allied Current Account services
RM will have to create his own CA book by self-sourcing, Market Visit & Industry & Area Scoping, External References & Leads.
Portfolio Management -
Engage with Acquired customer on regular basis and ensure that Group company and Family customers also bank with RBL Bank
Regularly interact with the customer to build rapport, customer profiling should be used to set customer level objectives post discussion branch Manager/TL. Customer interaction to be regular updated in system provided.
Ensure that within each customer group a minimum number of stipulated Income Generating products are sold as per the customers profile and needs. RM to Cross sell appropriate products to the customers and ensure activate usage.
Enhance Values within each of the customer groups by ensuring that a/cs are activated
Cross Sell Bank Products for revenue generation and engagement
Basis customer business requirement cross sell products like POS , Payment Gateway, Trade /Forex ( LC /BG/ Remittance /OD) , Doorstep Banking Services.
Cross Sell various RBL Bank products like TPP, FD. Credit Card, Loans to customers and related group business/ family
Drive active business transaction through RBL bank account
Should know the customer's business in order to provide banking and financial solutions
Register customer for various Direct Banking Channels of the bank
Ensure quality customer service is delivered
Recording complaints as per the specified process
Resolving all complaints received from portfolio customers within the stipulated TAT's and ensure appropriate customer communication on closures
Preventive complaint management by regular interaction with the customers
PC- RM will be given a quarterly and yearly target on revenue, product cross sell and book value build up
Basis the Target the RM will be tracked on regular basis for achievement of the Targets
CA RM will be evaluated on Portfolio Score Card
Sales and Influencing Skills
Banking Product & Process Knowledge. The candidate should have past experience of Current Account product & processes, Trade & Forex , Door Step banking and other current account related products.
Planning and Organizing Skills
Communication & Writing skills
Knowledge of Competition & Current trends in financial Industry.
Preferred Sector: BSFI
Education: Post Graduate
Experience: Above 3 years in a Current Account /Trade- Forex sales & / or relationship role in any of the sectors mentioned above
Reporting: CA RM will report to Branch Managers
Salary: INR 5,00,000 - 8,00,000 P.A.
Industry: Banking / Financial Services / Broking
Functional Area: Sales, Retail, Business Development
Role Category: Channel Sales
Role: Key Account Manager
Employment Type: Permanent Job, Full Time