To directly grow the liabilities portfolio (operating accounts, term deposits and electronic banking sales) through new client acquisition, portfolio management and cross sell of other services.
Drive Liabilities Sales through NTB (New To Bank) acquisition of Liability clients for operating accounts, term deposits and other transaction banking products in line with the targets set out.
Manage Relationships of acquired clients, for a specific time period, to deepen their wallet share & ensure regular client meetings to be to win client trust and business. To ensure quick implementation of the wins for fast realisation of revenues.
Support city heads in implementing liabilities strategy and meeting revenue budgets.
Support city heads in identifying and focusing on appropriate market segments. This includes analysis of key requirements for different identified market segments (through client discussions) and positioning Bank offering to meet client requirements. To support commercialisation of various product rollouts which cater to the needs of the identified client segment.
Desired Skills and Experience
Good understanding of the sales process through preferably prior sales experience of 2- 3 years
Prior Liabilities, Cash Management or transaction banking selling experience is desirable
Market knowledge and experience in the Mid-market / SME segment, with reference to customer preferences and requirement would be preferable.
Education / Preferred Qualifications:
A graduate or equivalent degree (with experience / understanding of banking and sales), Computer proficiency (Acquaintance with internet and MS Office) with relevant experience of selling in banking /NBFC financial products.
Good understanding of the sales process
Good technical knowledge of cash management/ transaction banking business
Good team worker
Good customer and relationship management skills.
Good interpersonal and communications skills.
Good problem solving, planning & organising skills. Planning, scheduling and monitoring deliverables, within a stipulated time frame using effective methods
Basic understanding of transaction banking products and associated technology platforms and operational procedures
Understanding of regulatory guidelines on banking issued by MAS and by RBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements are critical.
Knowledge of financial markets and products to assist in meaningful dialogue with clients
Possess good working relationship and a high degree of team spirit and cooperation with relationship group as well as service partners in the bank such as Product Mgt, Operations, Finance, Legal etc, so as to ensure seamless delivery of products to clients
Establish rapport with our clients so as to win their business, confidence and trust.