Relationship Manager – Elite Banking

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Personal Financial Services

Our Personal Financial Services Department is looking for a Relationship Manager – Elite Banking!

Job Purpose:
Your responsibility is to support the Head of Elite Banking Offshore to deliver OB strategy. You are required to build, maintain, and develop long term relationships across a portfolio of high value customers by providing solutions, achieving sales & income target, great customer experience while complying with internal & external policies and procedures to minimise financial risk.

Key Responsibilities:

Relationship Management 
  • Identify, solution and on-board new Mass Affluent/HNWI clients as per laid down criteria.
  • Represent the Bank at various community functions to further enhance its image and increase business opportunities.
  • Perform market analysis on a regular basis to better understand, anticipate, and respond to customer needs.
  • Manage customer segmentation strategies, specifically the delivery of a HNW proposition.
  • Review and timely investigation of customer service quality complaints.
  • Maintain a healthy customer portfolio of HNWI - Residents and Non-Resident.
  • Maintain high Customer Experience Standards to improve cross-selling opportunities and Customer Service levels.
  • Ensure provision of high quality and timely service to customers through a Customer Centric Approach while by attending to their needs and maintaining permanent contact with them through visits, phone calls, emails, etc.


Financial
  • Have an in-depth understanding of the local market conditions and competitor activities.
  • Implement the strategy of the Business Segment to enable achievement of revenue, profitability, set targets and customer satisfaction at both business unit and individual levels.
  • Proactively identify product gaps and deviations from cost/financial metrics to propose corrective actions.
  • Achieve income targets and contribute to the overall performance and profitability of Retail Banking through the development of business from new & existing customers.
  • Adhere to regulatory compliance and bank policies and procedures to safeguard the bank from potential losses.


Portfolio Health
  • Manage a portfolio of customers in accordance with credit policies and guidelines.
  • Implement lead and contact management strategy to develop customer portfolio.
  • Ensure awareness of compliance requirements and implementation of Compliance Policy.
  • Identify, report, and resolve any irregularities to minimise any financial/reputation loss.
  • Maintain and ensure due observance of regulatory compliance and bank policies and procedures.
  • Monitor non-performing accounts (NPAs) with appropriate and prompt action plans for recovery of dues.


Learning and Growth  
  • Identify talent and develop new capabilities through empowerment, monitoring & management of individual & team performance.
  • Build internal capabilities through coaching, guidance, training, and personal development of Junior RMs Demonstrate leadership on Regulatory and Compliance matters.
  • Maintain, observe, and foster awareness of operational risk and compliance culture while minimising the risk of its occurence.


Competencies:
  • Thorough knowledge of Accounting Principles & Practice, Consumer Lending, Credit Principles, Risk Management, and the Banking Regulatory Framework.
  • Good knowledge of the Bank's Products & Services, People Management Skills, Interview Skills.
  • Good knowledge of Operational Risk, KYC and Anti-Money Laundering Procedures.


Experience and Qualifications:
  • University degree with at least 7 years relevant experience or minimum of 10 years solid and relevant experience in Relationship Management.
  • Proven ability in team leadership and performance management and coaching.
  • Proven ability in Retail sales and Retail and Sales Management and Business Development.


How to apply:

Share your resume and motivation letter to [email protected] no later than 25th October 2023.

Please ensure all your personal, academic, and professional details are up to date. Any incomplete   application will not be considered.

Only the best candidates will be called for an interview.

Management reserves the right not to make any appointment following this advertisement.

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