HDFC Bank -Business Banking Working Capital – Relationship Manager-

HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995.

On April 4, 2022 the merger of India€™s largest Housing Finance Company, HDFC Limited and the largest private sector bank in India, HDFC Bank was announced. HDFC Ltd, over the last 45 years has developed one of the best product offerings, making it a leader in the housing finance business. HDFC Bank enables seamless delivery of home loans as a part of its wide product suite catering to urban, semi urban and rural India.

As of March 31st, 2023, HDFC Bank€™s extensive network comprised of 7,821 branches and 19,727 ATMs / Cash Deposit & Withdrawal Machines (CDMs) across 3,811 cities / towns. HDFC Ltd.€™s distribution network comprising 737 outlets, which include 214 offices of HDFC Sales Private Limited stands amalgamated into the Bank€™s network. The Bank€™s international presence includes branches in 4 countries and 3 representative offices in Dubai, London and Singapore offering Home Loan products to Non-Resident Indians and Persons of Indian Origin

Date and Time:

7th September , 11.00 AM – 4.00 PM

HDFC Bank 4th floor , near AMP motors Moti Nagar Shivaji Marg New Delhi , 110015

Contact – Somya Garg 

Women candidates preferred

3 – 8 years

Not Disclosed

New Delhi, Delhi / NCR

Job description

Job Name : Relationship Manager – Business Banking Group
Job Title : Relationship ManagerBusiness Unit (PA) : Business banking GroupTeam : (Sub team in the PA) : NAReports to (job) : Cluster HeadLocation of role : NorthJob Function : Sales Role Type: Individual Contributor No of direct reportees: NilTravel Required : More than Moderate in Metros, Urban and more extensive in semi urban / rural locations depending upon the branches being managedJob Band Range : JD Created date: NAJD Updated date : 31-12-2018JD approved by (business) :Version No : 2.0
Job Purpose
Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG relationships depending on the geography covered and the branches mapped to the RM and maintain HNW relationship management of the BBG customers in order to provide quality service to the customers.
Job Responsibilities(JR) : 6 8 Areas Actionable (4-6)Business Development

1. To achieve overall business targets on volumes and profitability for BBG customers.
2. To regularly interact with the branches for lead generation for BBG, updates on the leads in CRM, ensuring conversions and following complete lead conversion process.
3. Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with branch banking team.
4. RMs have to follow the laid down sales process which involves updation of the regular client calls for both existing and prospective clients. These calls should be done in a structured manner either individually or with support groups, branches or supervisors.
5. These calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.
6. Monthly review to be done with various product groups and supervisors who support the RMs portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
7. Improvement on yield for the Bank so that the Portfolio has a strong Return on capital at RM portfolio level.
9. Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement sign off from customers, including deferral closure
10. Ensuring cross selling of complete liabilities, corporate salary accounts, other asset products, TPP to the existing Relationships and its raised group accounts.
11. Increasing the IPH and CTG to ensure revenue maximization.

Customer relationship management

1. Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer.
2. Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities
3. CAM Preparation & query resolution
4. Customer negotiation on rates and other issues relating to charges.
5. Daily servicing of customer w.r.t. Cheque referrals, customer queries related to Banking, Issuance of Cheque books, managing cash deposition / withdrawal issues, solvency certificates, trade & Fx transaction, etc.
6. To make sure high level of client satisfaction.

Coordinating with internal and external stakeholders

1. Co-ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Buyers credit, TOD’s
2. Co-ordination with local Ops for disbursements, TOD limit setting, submission of Stock Statement.
3. Coordinating with trade desk and customer for smooth LC/BG issuance, and for import / export payment, BG invocation, LC payment
4. E-Net, CMS and cross sell of other such products.

Ensuring Compliance and Health check of portfolio

1. Portfolio review and remedial management which includes managing exits, line reductions, recovery and restructuring of exposures. Management of stress and critical accounts.
2. Also ensuring completion of Housekeeping pendencies including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visit, Site visit etc.
3. Follow-up and regularization of TOD’s
4. High value transaction reporting and tracking.

Educational Qualifications Key Skills

• Post Graduate in Finance or Chartered Accountant

• Strong understanding of Financials and Balance sheets
• Strong Relationship Management skills
• Sales and Influencing Skills
• Strong Analytical ability
• Good Interpersonal and Negotiation skills
• Understanding of the Banking Industry
• Understanding of the SME sector

Experience Required

• Minimum 2-3 years of experience in Working Capital Sales and Service portfolio in a Private Sector Bank

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

• Customers
• Credit underwriting team
• Branch Banking Team
• Operations
• Treasury
• Salary Team
• Private Banking Group
• Legal & Audit
• Lawyers and Valuers
• BIU (Finance)
• Retail Assets (Auto Loan, Home Loan)
• Credit Cards, Digital teams for Payzapp, E-net, TON etc.
• Insurance , General and Life

Role: 

Area Sales Manager (B2B)Industry Type: 

BankingDepartment: 

Sales & Business DevelopmentEmployment Type: 

Full Time, PermanentRole Category: 

Enterprise & B2B Sales

Education: 

B.Com in Commerce: 

MBA/PGDM in Finance, CA in CA

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