Relationship Officer

Company Description

Job Purpose

• Meet and exceed monthly and annual sales target objectives
• Ensure penetration in the market through focus on New To Bank acquisition as well as solicit existing clientele
• Do proper analysis of the case and provide all related information of the customer after the field visit is done
• To be familiar with all policies, products and processes to ensure superior client on boarding experience
• To proactively participate in Learning, Development and training programmes of the bank in order to be an effective sales personnel
• Ensure strict adherence to all KYC, Compliance policies and other processes as stipulated.

Financial

• Accomplish set sales and revenue objectives for all Products as per set business plan.
• Achieve monthly& annual set KPI objectives.
• Focus on New to Bank acquisition along with leveraging existing client base.
• To leverage on cross sell opportunities to ensure higher revenue per customer.
• Maintain Daily Sales Reports on sales performance for review by team leader and manager assets.

Customers

• Be commercially effective in the role and consistently keep customer/client as focus & ensure excellent customer service by delivering quality client on-boarding experience.
• Ensure thorough knowledge of all products, policies and processes in order to achieve superior client on boarding experience.
• To ensure no mis selling to customers by offering products/services transparently as per customer requirements
• Understand and resolve/escalate customer redresses to ensure timely resolution.

Learning & Growth

• Participate in the assigned People Development and L&D programmes.
• Take accountability for own development by active enrolment and participation with close coordination with respective
• Team.
• To ensure participation in assigned training, Learning & Development programmes
• Awareness to competition offerings and offer suggestions to line manager to improve product/ processes.

Internal Processes

• Ensure implementation of prescribed Sales & Compliance processes as per Bank's policies.
• Implement governance & controls to proactively identify, manage and minimize/mitigate potential losses to the franchise within respective Area.
• Adhere to Risk Control Assessment process across all areas of Business Banking Department - Selling, Client Onboarding, Fraud Control, Client Application & KYC Documentation etc.
• Adherence to all prescribed internal processes to ensure satisfactory Audit Ratings by adherence of all prescribed processes
• Ensure to bring quality and right customers to the franchise.
• Discuss the cases with stake holders and ensure support is provided.

Frameworks, Boundaries & Decision-Making Authority

• Propose and recommend decisions as per the approved authorization matrix.
• Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks

Essential

• Requires good convincing and Negotiating Skills according to the complexity of business.
• Continuous suggestions on Changes and ways of improving FAB Products.
• To build and maintain effective business relationship with all colleagues.
• Identify any cross-Selling opportunity for Other Business Divisions of the Bank Education required: University Degree / MBA / PGDM / Sales diploma or certification preferable.

Experience