www.hdfcbank.com | HDFC Jobs | HDFC Bank requires Relationship Manager in Mumbai
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to receive an ‘in principle’ approval from the Reserve Bank of India (RBI) to set up a bank in the private sector, as part of the RBI’s liberalisation of the Indian Banking Industry in 1994. The bank was incorporated in August 1994 in the name of ‘HDFC Bank Limited’, with its registered office in Mumbai, India. HDFC Bank commenced operations as a Scheduled Commercial Bank in January 1995.
Job Profile for the HDFC Bank Job :
Responsibilities
Complete ownership of a portfolio of between app. 25 productive accounts. The number of accounts managed may vary depending upon asset size of the portfolio, geography covered, operational intensity and branches mapped to the RM. He is bank’s face to the customer.
Responsible for the growth of the portfolio (organic and inorganic), ensuring targets are met and there is availability of an increased revenue stream.
Cross sell: Ensuring lead conversion of leads generated by branches. To be on the permanent look out for cross sell opportunities within his domain. Cross sell of CASA / FDs, TPP, other product requirements to existing customers.
Credit Management & Housekeeping: Primarily includes CAM preparations and timely renewals, obtaining and closing deferrals, plant and site visits and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance. TOD management.
Ensuring the quality of Portfolio: Be on the lookout for stress signs in the client operations / activity and address them.
Day to day Activities
CAM / SRM
Documentation pre-sanction and post sanction
Customer negotiation on rates and other terms
Updating LTS and conversion of leads
Customer profiling sheet and identifying cross sell / revenue increasing opportunity.
Regular Branch interaction
Daily servicing of customer
Call Memo preparation
Site visit / plant /property visitation
Supporting RMs for the above activities for their accounts
Is back up to another RM
Requirements :
Minimum Post Graduation in Management or Chartered Accountant
1-3 years in Banking with relevant work experience in Working Capital Funding
Strong Analytical and Judgmental capabilities, communication skills, basic knowledge of a wide range of bank’s products.
Interest in understanding operations, IT, TF and treasury functions.
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