4,949 Private Sector Bank jobs in India

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.

Business Development

• To achieve overall business targets on volumes and profitability for BBG customers
• 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.
• 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.
• 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.

Customer Relationship Management

• Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer.
• Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities
• CAM Preparation & query resolution

Stakeholder Co-ordination

• Co-ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Buyers credit, TOD's
• Coordinating with trade desk and customer for smooth LC/BG issuance, and for import / export payment, BG invocation, LC payment
• E-Net, CMS and cross sell of other such product

Candidate Profile:

• Candidate Should have experience in Working capital (Mandatory)
• Candidate should be in B2B Sales.
• Candidate must have experience in Business Banking

The Overseas Desk Dealer role in the Overseas Desk is responsible for Overseas Branch Treasury, which includes consolidated balance sheet management for all the overseas branches, Fund raising through short term and lond term loans / bonds, deposit and loan pricing, FI relationships with local banks, In addition to this, dealer is also required to execute interbank trades in FX, NDF, Bullion, interest rates, options, Bonds during BCP for the branch etc

KEY RESPONSIBILITIES

Financial Objective

• NII revenue as per budget from Asset/Advances pricing to the business, both in terms of Transfer pricing as well as actual pricing.
• Reduce cost of borrowings by arranging lower cost of borrowings
• Maximising the investment income within the risk limits
• Managing the hedge book on foreign currency loans

Non-Financial Objective – Risk Management and Liquidity Management

• Liquidity Management as per the regulatory and Bank's requirement of the desk
• Gap Management
• Other risk variable parameters management like counterparty, settlement risk limits
• Funding management including raising funds, legal documentation
• Identifying opportunities for end used based loans/ESG
• Establishing new FI counterparties
• Tax efficiency

Relationship Management – external and internal

• Manage the internal stake holders, viz. relationship managers in various Business groups to mobile deposits and loans products for the overseas book.
• Counterparty / FI Relationship Management and Intelligence:
• Interact with market participants to gather information
• Direct coverage of Banks for optimizing of borrowing lines, especially trade and money market lines
• Target new funding lines from Banks
• Operations team for ensuring smooth transaction processing

Internal Processes and Regulatory Compliance

• Ensure fulfillment of all transactions in the given TAT, with zero error, while adhering to the process and policies of the Bank.
• Hedging of all positions arising out of the transactions
• Capturing all transactions in all the front office systems of the bank
• Ensuring all treasury related documents are submitted by the customer in defined TAT
• Ensure compliance with all internal / external guidelines, well versed with all guidelines pertaining to the Desk, ensure compliance with all the risk / credit limits pertaining to the desk activities.

Skill Requirements

1. Aptitude and attitude to financial markets. Typically a Post Graduate/MBA in Finance, CA.
2. Treasury product knowledge, including knowledge about pricing. Adequate knowledge of markets, with ability to interpret these data and use it for business opportunities
3. Eagerness to learn
4. Good communication skills
5. Strong analytical and mathematical acumen, data interpretation skills
6. Good Relationship skills & Team player
7. Regulatory knowledge and Compliance orientation
8. Grooming (critical as need to interact with external people in overseas)
9. Extremely high levels of integrity
10.  Ability to Multi-task

Job Responsibilities

Achievement of Business Targets  

• Achievement of Income and contribution targets
• Achievement of Incremental Current Account & Saving Account targets
• Cost to Income Ratio benchmark
• Cross Sell Products like Demat, Credit Cards, Mutual Funds, Insurance, Investment Advisory, and Assets etc.
• Ensuring Portfolio Growth
• Ensuring Cross Sell Ratio.

Program / Channel Management

• Managed program(Wherever Applicable)
• Ensuring Revenue generating roles Channel overall target achievement (Wherever Applicable)
• Ensuring HNW Portfolio Management and customer service (Wherever Applicable)
• Ensuring achievement of cross sell Ratio

Complains and Customer Management

• Ensure all components of the branch sales model function as per design and regulatory compliance.
• Complaints Handling .
• Process adherence (Sales/Audit/RISK/Operation)
• BRM - SQ rating
• Targeted growth of existing portfolio
• Attrition Control as confirmed for portfolio growth 
• Percentage of depleted accounts
• TAT delays
• Effective resolution of complaints from Next Step & Talisma. Review and resolution of offsite ATM complaints 
• Organising customer meets to solicit feedback on service and products
• Mystery Shopping Ratings
• Ensuring Contact Ratio
• Ensuring Cross Sell Ratio
• Review of all CRM and ensuring adherence and TAT.

People Management

• Staff Turnover
• Staff Motivation and morale
• Training - staff is exposed to skill based, product knowledge based and .
• Productivity of Coex/LSE on CASA/Demat/Credit Cards (A)
• Operational knowledge based training
• Staff productivity management

Review and Control

• Review vault /Vault& Key register, Monitor Physical verification of cash (Periodic).
• Audit Rating
• No frauds / Operational Errors .
• Review Suspense & Dummy accounts
• Ensure compliance with Banking rules, Regulations & Procedures
• Periodic review of progress vs. objectives
• Ensure clarity of Business objectives among staff
• Adherence of sales process.

Candidate's Profile:

• Minimum experience in years – 3 to 10 yrs
• Exposure to banking preferable

Educational Qualifications

• Graduation: (Min)

Certifications:

• AMFI Certification(Optional)
• IRDA Certification(Optional)
• NCFM Certification (Optional)
• Internal Certification-NR Modules-(Optional))

Purpose of the Job

To drive Net Promoter Score for various products and customer touch points across the bank to:

• Measure and review performance
• Monitoring action plan and detractor engagement
• Drive improvement

Key Responsibility:

• Customer Experience Measurement and Improvement, resulting in overall improvement in NPS Scores.
• Detailed analysis of Customer feedback.
• Evaluate customer pain areas and work collectively with the units to carry out process improvements.
• To arrive at an action plan collectively with the unit and monitor the plan for improvement of NPS scores
• Follow up / escalation for timely closure of agreed action plan.
• Assisting product/channel in finalizing processes aimed at improvement in customer experience.
• Tracking of important changes, metric movements and latest developments, etc. in respective units.
• Driving detractor calling across all the channels / units.
• Ensure 100% detractor customers are contacted within TAT by respective channels.
• Review Resolution Effectiveness Scores trend

Candidate's Profile:

• Should have minimum 2 years of experience in customer feedback / NPS / C-SAT surveys.
• Should possess technical understanding to drive digital initiatives.
• Should have good product / process knowledge.
• Have experience in handling/ driving quality and process related improvements

Job Purpose

Develop user journeys including digitalization adoption by RM teams and develop customer experience for Digital Products and processes for Wholesale Banking. This role will primarily work on increasing adoption / embracing by internal teams on the digital processes and ensures customers are engaged through our digital products and orientation. Engage, Manage and Build partners on the ecosystem and ensure that there is continued focus on business value through these measures.

Job Responsibilities

Digital Engagement and Development:

• Engage with partners in wholesale banking to identify key products and processes which require digitization
• Identify business value to be generated or potential business models to be built digitally
• Design digital roadmaps and implement digital product journeys as per the roadmap finalized
• Coordinate with internal and external stakeholders to collect requirements and convert them into actionable items and execute them
• End to end ownership of the wholesale banking digitization to enhance digital value propositions and customer experience
• Steering the development of digital platform, features, and solutions that power customer experience on web and mobile
• Using knowledge of market segments and customer preferences, identifying platform features gaps to drive roadmap
• Analyse complex data sets and understand what the data is telling and where it has the potential for performance improvements
• Align with the go to market strategy to launch new features and drive customer engagement by closely working with business and platform partners
• Cross functional relationship with product, business, technology, marketing, operations, and analytics to bring features and solutions to the market and grow business opportunities
• Work closely with agile teams like digital banking, UI/UX, technology, design, and development partners
• Evangelise adoption / embracing of digital processes / products across RM teams to ensure our internal efficiency / productivity go up as well customer delight through digital delivery goes up
• Monitor customer usage of the digital platform, their pain areas and their behaviour on both web and mobile and build a seamless feedback loop for constant enhancement of the digital journey.

Other

§ Prioritize requirements from various stakeholders

§ Communicate, translate, and simplify business requirements to ensure buy-in from all stakeholders

§ Assess change-proposals and define solutions to help the organization achieve its goals

§ Discover, organize, and clarify business needs and review/produce specifications for change

§ Work with the Technical Analyst and development team to ensure that they understand the specifications.

§ Work with training team to document system scenarios and identify roles impacted to help develop a change management/training plan.

§ Conduct business process modeling and generate applicable scenarios for the technology functionality testing team.

§ Increase Adoption of Technology Products within the team