IDFC Bank / Senior Relationship Manager - GBG / Gujrat

Job Description:

Job Title – Senior Relationship Manager

Business Unit – Government Banking Group

Function – Government Banking Group

Job Purpose:

The role entails building deep relationships with clients including government bodies, quasi-judicial authorities, autonomous bodies, State Departments, etc in order to maximize profitability and meet targets while minimizing risk and ensuring strict adherence to guidelines. The role bearer is primarily a first touchpoint for clients for resolution of issues. The role bearer has a responsibility to increase customer penetration across current account, Retail Asset, Government Banking products contributing to achieving the larger organizational objectives of the bank.                                                                                                                                                                                                                                                                               

Roles & Responsibilities:            

• Ensure seamless customer on boarding by ensuring best in-class customer servicing standards and processes and develop deep relationships to become the client's banking partner of choice
• Spearhead business generation within stringent and dynamic regulations and bank's risk appetite to expand the volume of trade of Government Banking Group
• Tie up with financial institutions to share revenue sources and realize synergies
• This role further entails the responsibility of understanding client needs, business and sector characteristics
• Understand customer requirements and structure solutions to achieve customer satisfaction while remaining aligned with the bank’s policies
• Responsible for accurate and timely KYC, ensuring compliance and risk categorization
• The role bearer is accountable for customer acquisition of high value, high ticket size accounts after due diligence
• Ideate to create diversified revenue sources for Government Banking Group and facilitate campaigns to increase customer penetration and acquire high quality clients
• Study financial reports of clients to identify early warning signs and flag potential pitfalls to prevent losses to the bank
• Monitor portfolio and flag early warning signals while maintaining a constant touchpoint with the clients
• Perform credit analysis as mandated by RBI
• Gather and leverage market intelligence to incorporate best practices
• Develop and maintain constructive relationships with key internal and external stakeholders to help achieve business critical goals
• Collaborate with internal stakeholders (Treasury, Risk, Compliance, Legal) to achieve the desired business objectives whilst ensuring maximum efficiency in internal processes
• Create and deploy strong mechanisms that can constantly measure and monitor the customer satisfaction and envision changes to existing processes to improve specifications and performance
• Ensure high quality customer service and review customer complaints in order to maintain customer satisfaction and increase the treasury business