Emerging Enterprise Group – Relationship Manager (EEG RM)

Company

HDFC Bank is one of India's premier banks providing a wide range of financial products and services to over 43 million customers. Promoted by Housing Development Finance Corporation (HDFC), India's leading housing finance company, HDFC Bank began operations in 1995 with a simple mission: to be a "World-class Indian Bank"​. With a single-minded focus on product leadership, customer focus and operational excellence, the bank has accomplished this, emerging as a leading player in all its business segments. From a full range of products to the sheer convenience of their delivery, HDFC Bank today has made significant strides in the banking space. It was recognized as India’s Most Valuable Brand for 5 consecutive years in a study conducted by Kantar, a research agency of the WPP group.

Job Role : Emerging Enterprise Group – Relationship Manager (EEG RM).

Job Purpose

• To run initiatives in line with key objectives of the Business in order to attain the banks objective of business leadership

Job Responsibilities : 

Branch Management

• Plan the branch visits detailing the coverage every week
• Meeting the branches during the morning meeting - every branch once a month
• Scoping the RM/PB customer for lead/joint calls OR make use of available resources in the branch for leads/joint calls
• Planning the catchment area activity/scoping for lead generation/joint call
• Ensure RM/PB activation from the activities above and review of branch performance/resource wise performance/review with CH as and when required.
• Creating excitement in branches/spot sanctions/contests/recognition program
• Check CRM daily and review the leads/update follow up leads/with dates
• Document branch meeting through Cogent/mails

Lead generation/logins

• Planning the above so that it translates into 2 calls per day/2 appointments per day
• Send the communication to the customer on documents required
• Follow up the on the calls made for documents/arrange for pickup of documents
• Check for completeness of documents
• Go through the Financials/bank statements for churn/bounces/interest servicing
• Collection of property documents for legal/valuation - check for completeness chain docs etc.
• KYCs
• List down the points to be clarified from the customer
• Fill in the FAQs post discussion with the customer
• SPE updation
• Submission of file to ops for scanning
• Submission of docs for legal/valuation
• Co-ordination with customer/valuer
• Buyer/supplier ref check -----> Ref leads

Cross Selling

1. To be the one-stop shop for each of our EEG clients and provide suitable gamut of financial products such as Insurance, CASA, Credit Cards, Other Assets Products as required by the customer.
2. Monitor and track Leads.

Renewals

• List down the renewals every month for the next two months
• Work on the renewals in advance
• Mail to the respective customers on docs required for renewal
• Follow up weekly twice for docs
• Arrange for collection of documents
• Check the documents for completeness
• Study the financials/bank statements/churn/interest servicing/aberrations from the stated nos
• Speak to the customer for addressing issues/aberrations
• SPE
• Hand over to ops for scanning
• follow post login formalities
• For renewals overdue and having genuine delay put up for extensions

CAM conditions review/OBA review

• Churn review for OBA once a month
• Conditions review once a month
• If OBA waiver required/check for justification/check for churn/put up to the authority
• If not inform the customer on closure of OBA/levy of 2% penalty
• Same for CAM conditions

Portfolio Management and Housekeeping (HK)

• Reduce HK.
• Closure of critical and high aging items