Associate Relationship Manager-Liabilities
About this role
Job Requirements
Role/Job Title: Associate Relationship Manager-Liabilities
Function/Department: Rural Banking
Job Purpose:
The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
Primary Responsibilities:
- Lead Area Mapping in the catchment and maintain accurate and timely daily activity / Sales reports.
- Prepare Wish list of customers through cold calling and promotion activities to drive awareness about the bank and products across the catchment area.
- Ensure completion of account opening formalities with strict adherence to KYC norms. (Field verification Mandatory)
- Engage customers with multiple products at the time of account Opening. (viz: Mobile banking / Net banking registration / Recurring Deposit-Fixed Deposit activation)
- Ensuring account activation and subsequently maintaining the health of account.
- Ensure superior customer service to capture larger wallet share of population.
- Spearhead resolution of customer queries and issues.
- Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
- Ensure compliance as per the bank requirements.
- Recommend process changes in order to improve service efficiency and quality across the branch network.
- Provide support for implementation of livelihood advancement and community development initiatives.
Secondary Responsibilities:
- Recommend process changes in order to improve service efficiency and quality across the branch network.
- Provide support for implementation of livelihood advancement and community development initiatives.
Education Qualification:
Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate.
Experience: 0 to 2 years of relevant branch banking experience.
Company at a glance
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Formed in December 2018 through the merger of infrastructure finance giant IDFC Bank and retail finance specialist Capital First, we commenced commercial banking operations in 2016. Our core principles:
Vision: Building a world-class bank in India, driven by ethical, customer-friendly, digital, and socially responsible banking principles.
Universal Bank: Offering a comprehensive range of services like Retail, MSME, Rural, Startups, Cash & Wealth Management, Deposits, Corporate & Government Banking, Working Capital, Trade Finance, and Treasury Solutions.
Ethical Banking: We follow a 'Near and Dear' test, ensuring products are customer-friendly enough for employees to recommend to loved ones. We simplify legal jargon for clarity and offer 'ZERO FEE Banking' on all savings account services like SMS alerts, IMPS, RTGS, NEFT, ATM withdrawals, and more, making it India’s 1st & only bank to do so.
Customer-Friendly Banking: IDFC FIRST Bank credits monthly interest on savings accounts, offers lifetime-free credit cards with non-expiring rewards and transparent fees.
Technology-led Banking: Seamless services across mobile, branches, internet banking, call centres, & relationship managers. Our mobile app, with 250+ features, is rated 4.8 on Google Play & the App Store.
Global rating agency Forrester ranked it India’s best & among the world’s top 20 for two consecutive years.
Social Good Banking: Focusing on financial inclusion, we serve 40M+ customers, with 16M lifestyle improvement loans,15M loans to 4.3M women entrepreneurs, 6.5M vehicle loans, 1M each for sanitation & livelihood, 300K SME, and 100K home loans.
ESG Goals: We hold high ESG scores, demonstrating our commitment to financial inclusion & social responsibility.
Creating a new-age, ethical and world-class institution for India is a privilege for its employees.
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