RM - Dealer Funding Group
- ICICI Bank
- 2 - 7 years
- Multi-City, India
- 30 days ago
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- Nagpur,Maharashtra, Ahmedabad,Gujarat, Mumbai (All Areas)
Job Description
Job HighlightsAbout the role
At ICICI Bank, you get an opportunity to engage with high-value customers of ICICI Bank and offer 360 degree-banking solutions. As Relationship Manager, Business Banking, the role requires you to collaborate seamlessly across teams at ICICI Bank to offer superior service to Micro, small & medium enterprises, mid corporate (Upto 750cr annual turnover) and ensure a quick turnaround time for all client queries and requirements. We are seeking a qualified relationship manager to extend our market reach through expert discovery and exploration of new and untapped business opportunities and relationships. Our ideal candidate will be trusted to dive right in, take the lead, use initiative, and help build ICICI Bank as the preferred bank amongst our customers. Key accountabilities include customer feedback and defined business outcomes.Key Responsibilities
Key Qualifications & SkillsFew Success FactorsAbout the Business group
The Retail Banking Group of ICICI Bank serves customer segments such as individuals, business banking, government, and retail institutions. Our customer relationship teams are present across the country through a wide distribution of over 5,200 branches. Further, our Digital Banking services offer the full spectrum of banking solutions to our customers. In our endeavour to offer 360-degree banking, we have adopted a unique customer centric approach of ICICI Stack. ICICI Stack covers the full spectrum of banking services consisting of bank account, payments, banking transaction, credit card, personal loan, mortgage loans, vehicle loans, business & institutional banking solutions etc.
FAQs
Is banking experience a necessity for this role?
Certainly not, we are welcoming diverse minds with a knack of selling products and solutions that cater to the needs of the customers positively. Nevertheless, obsession to create a delightful customer experience is a necessity.
Is understanding of Banking required to apply for this role?
While we do not necessarily look for in-depth banking knowledge, we would be certainly pleased to meet candidates who appreciate our responsibility as our custodian of our customers wealth and standards that we set us in our pursuit to earn and maintain customers trust.
Can a fresher apply for the role of relationship Manager?
MBAs/graduates with 3 to 10 years of experience can apply for this role. We are open to consider fresh MBAs as well with a mindset to understand financials of a business and accordant solutions that can be proposed.
Will experience other than relationship management considered?
We evaluate our applicants experience and skills holistically. We do not discount any experience that meet our passion to create delightful customer experience. An orientation to engage with customers and building meaningful relationship is a key factor we look for. Will I be working on specific products?
As a Bank, our core objective of customer engagement rests on philosophy of taking the whole bank to the customer, not a few products. Our level of engagement with a customer is deep and poised to solve customers need than to pitch for a particular product. We firmly believe in being Fair to the customers and Fair to the Bank.
What are the examples of products offered by ICICI Bank?
We offer wide array of innovative products to redefine banking convenience. With our expertise, we ensure our customers wealth is protected and nurtured at the same time. Some of our offerings are Working Capital, Business Loan, Current Account, Payment Solutions, Forex and Private & Wealth Banking Solutions for the key stakeholders in the business & Banking Solutions for the employees.
Does this role involve sales?
We at ICICI Bank believe in sales orientation irrespective of the roles we hold. It is a key driver to deliver right product to a right customer. In this role, the responsibility largely revolves around building existing relationships, onboarding new customers to the bank by providing 360 degree banking solutions depending of the requirement of the customer. The role also entails collaboration with various teams to stakeholders to work towards the right solutions and market strategy.Is this a team-handling role?
Our relationship managers work in synergy with lot of internal and external stakeholders. Largely, this role is full of individual contribution with a focus on collaboration, at times team-handling responsibility may be entrusted with depending on the business needs.
What are the key deliverables of the role?
Few of the key deliverables of the role include:
- Ensure stability of total ecosystem income from existing set of clients and explore avenues for new income generation from existing as well as new clients.
- Tap the entire ecosystem opportunity across banking services and products required by the client starting from key stakeholder individual accounts, salary mandates, supply chain related avenues, deposits opportunity, treasury related products and services such as forex. The individual will collaborate with the various relationship teams to offer a comprehensive and 360 degree banking solution to the customer.
- Add value to the client and stay ahead of the competition by structuring and implementing innovative deals in working capital, term loan and non-credit solutions such as forex, current account offerings, payment and collection solutions
- Micro, small & medium enterprises (Upto 750cr annual turnover
- Use credit knowledge and knowledge of various products for deal structuring
- Manage the relationship with the customers by growing core operating profit while ensuring return of capital
- Provide trade finance, commodity based finance cash management services as per the working capital cycle of the company
- Deepen relationship with existing clients and acquire new clients for the bank
- Increase wallet share by cross selling products to the customer
- Understand & cross-sell various retail asset & liability products to capture entire ecosystem of corporate clients including the employees
- Engaging with key stakeholders such as promotors, CXOs to enrich the relationship and provide them private or wealth banking and investment solutions to meet various needs of the customers
- Credit Appraisal Relationship manager is expected to understand in detail the clients business, financials and prepare quality appraisal note in collaboration with Credit or Risk Management team.
- Documentation RM facilitates disbursement of funds once sanction is in place through coordination with various internal groups. RM is also expected to complete post-disbursement documentation activities in coordination with control groups such as Legal, Compliance, Lending Services Operations etc.
- Portfolio monitoring: Assist the Regional Head/ RHS in ensuring a high quality book and keep on look-out for red flags through quantitative and qualitative monitoring
- Provide complete and comprehensive information on various products, services offered by the Bank and ensure best services are provided to them.
What is the next step after applying?
While we duly evaluate your profile against the job requirements, we encourage you to keep your profile updated your with latest CV, Photograph and complete the declaration.
What is the selection process followed?
We are a proud equal opportunity employer. Post receiving your application, we shall duly evaluate your profile against the job demands. If shortlisted, we shall invite you for a personal interview [Digital mode] to understand your experience and skill set better. While you spare us the time to shortlist your profile for interview, please be mindful of keeping your profile updated with latest resume, photograph and submit online declaration.
Job Classification
Industry: BankingFunctional Area: Banking
Role Category: Enterprise & B2B Sales
Role: Key Account Manager
Employement Type: Freshers
Contact Details:
Company: ICICI BankLocation(s): Multi-City, India
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