senior relationship manager

Education1st

<p>&sect; Actively promote and sell residential, commercial, and off-plan properties developed by the company.</p><p>&sect; Achieve monthly and quarterly sales targets as set by management.</p><p>&sect; Generate and qualify leads through networking, cold calling, and digital platforms.</p><p>&sect; Ensure that lead generation campaigns by marketing team are successfully well utilized and converted to sales.</p><p>&sect; Regularly Visit the brokerage offices to understand their needs and brief them on the company projects.</p><p>&sect; Maintain a cordial relationship with brokers, brokerage firms and agents to brief them on the company and the projects.</p><p>&sect; Coordinate and liaise with the clients and finance department to ensure timely payment collections.</p><p>&sect; Conduct property viewings and presentations for prospective buyers.</p><p>&sect; Provide clients with detailed information on property features, prices, payment plans, and legal requirements.</p><p>&sect; Maintain regular communication with clients and support them through the sales process from deal closure till project handover.</p><p>&sect; In reporting add a point about record keeping on the leads they have been assigned</p><p>Job Type: Full-time</p><p>Pay: AED9,000.00 - AED10,000.00 per month</p><p>Experience:</p><ul><li>real estate (UAE): 1 year (Required)</li></ul>

Senior Relationship Manager

NBK Egypt

<div>
 <p>
  <strong>
   Job Purpose:
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  Build, develop and manage a diversified customer base aiming to offer NBK products and services with key focus on the growth of lending portfolio within approved credit policy framework to achieve business targets and contribute positively in meeting division goals in terms of all planned performance dimensions (business growth, profitability, etc.)
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities &amp; Accountabilities:
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Drive and deliver exceptional leads generation and sales chances activities to acquire new to the bank customers and promote cross selling to existing relations.
  </li>
  <li>
   Search for new business opportunities to grow bank market share and profitability.
  </li>
  <li>
   Introduce new well reputed borrowing prospects in line with the Bank&rsquo;s development strategy and risk appetite.
  </li>
  <li>
   Identify the financing requirements of the borrower and purpose the appropriate credit structure to cover their needs.
  </li>
  <li>
   Meet individually assigned target in all defined business fields.
  </li>
  <li>
   Ensure credit application for new and existing customers in a comprehensive manner and in line with approved credit policy and operating manuals, procedures and business circulations issued and circulated with full responsibility of completeness, accuracy of gathered information in a timely manner and within required business deadlines
  </li>
  <li>
   Overlooks and coordinates the process of fulfilling customer requests in a timely manner focusing on enhancing customer experience through the development of own internal network of relevant stakeholders (branches network, operations, risk,
  </li>
  <li>
   Build deeper engagement for exiting relationships through regular sites visits, quarterly call reports, and corporate events
  </li>
  <li>
   Receive, handle, and resolve the customer complains in a timely manner to maintain and increase customer satisfaction
  </li>
  <li>
   Ensure smooth and continuous flow of customer information with respect to requests, business updates, key changes, warning signals and other customer relevant information to members within own team (ARM/SCA/CA)
  </li>
  <li>
   Transfer knowledge and provide on job coaching to younger team members
  </li>
  <li>
   Participate effectively in projects and tasks assigned by the Team Leader and Regional head
  </li>
  <li>
   Act as the first line of defense point in relations with customer and ensure Alerting the management on any deterioration / potential deterioration of the credit risk, resulting from late payment, or receiving negative market information, also recommend and implement the corrective action to safeguard the Bank&rsquo;s right and avoid any loss
  </li>
  <li>
   Ensure the credibility of the collected legal documents and capacity of signatory on the borrowing documents
  </li>
  <li>
   Ensure business/activity reports are submitted on due time.
  </li>
  <li>
   Ensure proper business database and follow up lists are properly in place
  </li>
  <li>
   Ensure adhering to all policies and related updates (credit policy, compliance policy, etc.).
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Qualifications &amp; Experience:
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <ul>
  <li>
   Bachelor's degree in finance or business administration
  </li>
  <li>
   Minimum 8 years of banking experience in the corporate banking
  </li>
  <li>
   Credit Course is mandatory
  </li>
  <li>
   Comprehensive technical credit skills.
  </li>
  <li>
   Full commercial awareness.
  </li>
  <li>
   Credit related products and services solid knowledge.
  </li>
  <li>
   Full Awareness of credit local regulations &amp; laws.
  </li>
  <li>
   Knowledge of a wide spectrum of business management disciplines
  </li>
 </ul>
 <p>
 </p>
</div>


Bank ABC

<div>
 <p>
  Bank ABC seeks to recruit a Senior Relationship Manager in the Group Corporate Coverage Department based in our Head Office, in Bahrain.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The Senior Relationship Manager will be responsible to establish a holistic understanding of key Client&rsquo;s needs and offer innovative customized solutions, to work in collaboration with product specialists across the Bank and to build a portfolio of Client relationships - delivering &ldquo;Bank to Client and Client to Bank&rdquo;.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The job holder will also be responsible to drive own performance to increase operating income and Risk Adjusted Relationship Returns across a designated area, successfully deepening existing customer business and on boarding New to Bank Customers (NTB) which provide a value add to the current revenue streams.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The incumbent will be responsible for delivering and leveraging existing and new capabilities across the designated core market and sectors by offering a full range of solutions and services to clients. He/she must work integrally and collaboratively with the Group&rsquo;s wholesale banking product lines and manage the bank&rsquo;s client centric coverage effort in order to achieve overall relationship financial targets within acceptable risk parameter.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Responsibilities of the role:
   </u>
  </strong>
 </p>
 <p>
  The job holder will proactively originate new, and manage existing, relationships within the Designated Sector.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The job holder will be responsible for establishing:
 </p>
 <ul>
  <li>
   <strong>
    Account Strategy
   </strong>
   : Existing or NTB customer&rsquo;s global account plan and strategy
  </li>
  <li>
   <strong>
    Revenue
   </strong>
   : will be responsible for the global asset and liability growth, revenue / profitability generated regardless of product or geography booking for the Designated Area
  </li>
  <li>
   <strong>
    Credit
   </strong>
   : will establish, document, monitor and be the custodian of the credit Limits and will be accountable for managing the credit risk for the Designated Area
  </li>
  <li>
   <strong>
    Calls
   </strong>
   : will mark the Existing or NTB customer&rsquo;s Global HO&rsquo;s senior management with appropriate ABC management with an appropriate meeting / engagement / calling program.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  For the above, the job holder will be recognized holistically for the revenue generated for the bank ensuring that all relationship managers work collaboratively to deliver a true global coverage solution to the customer.
 </p>
 <p>
  <br/>
 </p>
 <p>
  The following four Dimensions of accountability will form the basis for a consistent evaluation of performance for the job holder:
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Customers / Stakeholders:
  </strong>
 </p>
 <ul>
  <li>
   Build the Coverage platform value / reputation in the designated area of operation
  </li>
  <li>
   Establish a holistic understanding of Client&rsquo;s needs and deliver customized solutions across all product lines
  </li>
  <li>
   Drive own / team performance (if applicable) across the existing and NTB customer portfolio in the designated area
  </li>
  <li>
   to deliver sustainable revenue growth
  </li>
  <li>
   effectively manage operating expenses
  </li>
  <li>
   grow the overall Client base
  </li>
  <li>
   increase Client&rsquo;s share of wallet
  </li>
  <li>
   increase overall portfolio
  </li>
  <li>
   improve Client RAROC
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Leadership and Teamwork
  </strong>
 </p>
 <ul>
  <li>
   Understand and disseminate the designated area&rsquo;s business strategy
  </li>
  <li>
   Lead by example
  </li>
  <li>
   Represent the ABC brand in the designated area enhance the Bank values and reputation in the market place
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Operational Effectiveness and Control
  </strong>
 </p>
 <ul>
  <li>
   Understand and disseminate the Banks&rsquo; policies in the designated area
  </li>
  <li>
   Implement and maintain the Group Compliance Policy locally and regionally
  </li>
  <li>
   Be aware of the Operational Risk associated with the role
  </li>
  <li>
   Ensure all audit points raised are closed within the agreed time frame
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   <u>
    Areas of Knowledge, Qualification and Experience
   </u>
  </strong>
 </p>
 <ul>
  <li>
   Graduate, preferably at masters&rsquo; level, and / or with 5-7 years of previous Coverage experience
  </li>
  <li>
   Proven experience as a senior banker with relationship management experience and skills
  </li>
  <li>
   Superior Banking product knowledge, to allow cross-selling of other ABC products
  </li>
  <li>
   Strong credit analysis and credit administration skills
  </li>
  <li>
   Ability to be flexible and to juggle multiple priorities, including business driven deadlines
  </li>
  <li>
   People management skills, providing counselling and guidance to optimize utilization of resources and achieve results, focusing on developing team members to fulfil their potential
  </li>
  <li>
   Demonstrated ability to maintain integrity, confidentiality and diplomacy under all circumstances
  </li>
  <li>
   Sound knowledge of Lending, Trade Finance, Cash Management, Treasury, Debt and Capital Markets, Project Finance, Credit Analysis
  </li>
  <li>
   Strong computer skills with capability to use spreadsheet, graphic and presentation packages to review and create professional materials
  </li>
  <li>
   Developed communication skills to negotiate internally and externally at high levels
  </li>
  <li>
   Skilled communicator who influences and negotiates with great latitude on outcomes
  </li>
  <li>
   Strong work ethic and business acumen
  </li>
  <li>
   Ability to act on own initiative, providing creative solutions
  </li>
  <li>
   Excellent organizational skills
  </li>
  <li>
   Ability to remain calm and perform well under pressure at all times
  </li>
 </ul>
 <p>
 </p>
</div>


Senior Relationship Manager - Group Corporate Coverage

First Abu Dhabi Bank (FAB)

<div>
 <strong>
  Sales And Financial
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Increase depth and breadth of Relationship with existing customers.
  </li>
  <li>
   Increased sales volumes/ market shares in target market.
  </li>
  <li>
   Utilization of limits for the new approved limits.
  </li>
  <li>
   Number and quality of Credit Applications processed.
  </li>
  <li>
   Response &amp; Turnaround Times of Customer requests &amp; processing business applications.
  </li>
  <li>
   Alignment of structure &amp; pricing of the proposed limits with customers&rsquo; needs.
  </li>
  <li>
   Establishment of an efficient customer-focused approach representing a strong competitive edge.
  </li>
  <li>
   Increase share of high end market and quality business within assigned segment.
  </li>
  <li>
   By using the existing borrowing clientele&rsquo;s suppliers &amp; buyers, creating new borrowing relationship to the bank
  </li>
  <li>
   To develop and manage the portfolio of the company for Corporate/ Commercial Financing.
  </li>
  <li>
   Provide customers with accurate and timely information on products and reveal the benefits affecting their businesses.
  </li>
  <li>
   Actively source business from prospects and follow up on sales leads within designated market segments.
  </li>
  <li>
   Plan visits to existing and new prospective clients in coordination with GTx and FX team.
  </li>
  <li>
   Identify and forward sales leads to other areas in the Bank for cross-selling.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Risk Management
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Prepare Credit Application (CA), analyse financial statements, and make it ready for approvals.
  </li>
  <li>
   Ensure CA&rsquo;s for new clients and renewals for existing clients are correctly prepared in accordance with the bank policies and regulation framework.
  </li>
  <li>
   Recognize early warning signals of unsatisfactory account conduct and pursue the collection of past due loans.
  </li>
  <li>
   Assess the financial and business risks involved in lending to particular businesses, mainly by looking at the Company&rsquo;s competitive position within its industry, its strategic direction, management quality and its financial profile.
  </li>
  <li>
   Identify and analyze the areas of potential risk threatening the assets, earning capacity or success of Organizations in various business fields.
  </li>
  <li>
   Pro-actively manage the assigned portfolio risk by ensuring timely renewal of accounts within the applicable time standards, provided all required information is available.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Profitability &amp; Expense Control
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Ensure effective utilization of limits to maximize profitability.
  </li>
  <li>
   Regularly monitor MIS reports for FX and Trade Working Capital revenues and utilizations.
  </li>
  <li>
   Continuously seek to increase revenue margins from customers.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Customer Service &amp; Service Level
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Whenever needed, contact customer service groups and processing units to ensure satisfactory service standards are met.
  </li>
  <li>
   Operations and Process responsibilities.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Activities / Operations
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Discuss credit packages with respective Credit Team and approving authorities if needed.
  </li>
  <li>
   Establish and maintain a close working relationship with Credit Division/ Credit Administration.
  </li>
  <li>
   Understand customer&rsquo;s financial needs &amp; initiate formulation of written proposals to fulfill these needs with bank&rsquo;s products within the general guidelines of Business Banking and regulating authorities
  </li>
  <li>
   Review credit analysis and add high standard qualitative comments.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Compliance
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Compliance with bank related policies and procedures, and Business Banking standards in structuring &amp; pricing of limits.
  </li>
  <li>
   Adhere and comply with bank&rsquo;s internal applicable policies and procedures as well as governing regulations issued by concerned authorities.
  </li>
  <li>
   Cooperate and facilitate work of internal audit and risk management to address gaps, and respond to audit reports within agreed deadlines
  </li>
  <li>
   Monitor money laundering activities and coordinate remedial actions with management.
  </li>
  <li>
   The day-to-day responsibilities of the proposed role will include, but not limited to:
   <br/>
   <br/>
  </li>
 </ul>
 Knowledge
 <br/>
 <br/>
 <ul>
  <li>
   Strong understanding of financial statement analysis, conducting due diligence for lending cases, ability to risk assessment.
  </li>
  <li>
   Strong knowledge of Trade Finance and Real Estate Finance products.
  </li>
  <li>
   Good understanding of market best practices and dynamics including demographic factors, competitor products and services.
  </li>
  <li>
   Strong understanding and working knowledge of SME banking and related regulations.
  </li>
  <li>
   Understands legal structures consistent with different type of businesses. Skills &amp; Behaviours.
  </li>
  <li>
   Proven ability to communicate and influence at different levels and to a variety of audiences.
  </li>
  <li>
   Proven achievement of meeting or exceeding sales targets. Having a sales hunting mindset.
  </li>
  <li>
   Able to evaluate, analysis, draw conclusions and develop insightful recommendations and solutions.
  </li>
  <li>
   Strong entrepreneurial / commercial / business acumen with an understanding of wider economic issues.
  </li>
  <li>
   Proven ability to build and maintain strong customer relationships.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Frameworks, Boundaries &amp; Decision-Making Authority
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Functions within the framework and boundaries of Group policies as well as overall organizational and governance frameworks.
  </li>
  <li>
   Authorized to take decisions as per the approved authorization matrix.
   <br/>
   <br/>
  </li>
 </ul>
 Minimum Qualification
 <br/>
 <br/>
 University Degree - MBA / PGDM / CA / CFA or similar certification preferable.
 <br/>
 <br/>
 <strong>
  Minimum Experience
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   5-8 years&rsquo; relevant experience in the banking sector with at least 4 years in similar positions of progressively increasing managerial responsibilities in the Business Banking function.
  </li>
  <li>
   Trade Working Capital Experience is a must; Real Estate Financing Experience will be valuable as well.
  </li>
 </ul>
</div>


Senior Relationship Manager - Trade Working Capital

ALEXBANK

<div>
 <p>
  <strong>
   Job Duties:-
  </strong>
 </p>
 <p>
  Check Credit Proposal Memos &ldquo;CPM&rsquo;s&rdquo; that present the proposed Facility Package and the associated Terms and Conditions.
 </p>
 <ul>
  <li>
   Contact the targeted clients and attend business meetings.
  </li>
  <li>
   Review and concur Marketing Call Memos addressing Division / Department Heads.
  </li>
  <li>
   Collect the necessary documents for brief study.
  </li>
  <li>
   Check the Executive summary to obtain in principle approval.
  </li>
  <li>
   Collect all Legal, Financial and Technical documents sufficient for conducting a proper Due Diligence on the targeted client.
  </li>
  <li>
   Follow up with Credit Analysis &amp; Underwriting Department until complete revision and the issuance of Risk Recommendation.
  </li>
  <li>
   Follow up the implementation of the CPM (Credit Proposal Memos) till the assets are booked including fulfillment of all requested documents.
  </li>
  <li>
   Ensure the marketability of all ALEXBANK&rsquo;s products &amp; services including Loans/Contingent Business as well as Retail Products.
  </li>
  <li>
   Attend calls to the existing clients on quarterly basis.
  </li>
  <li>
   Conduct regular accounts follow up assisted by periodical reports prepared by credit officers, analysts and/or assistants to avoid the manifestation of past dues, excesses and the breach of terms and conditions of approved facilities.
  </li>
  <li>
   Check Credit Proposal Memos and ensuring that they are designed with the appropriate facility package and to ensure all credit risks are addressed in the CPM (Credit Proposal Memos).
  </li>
  <li>
   Check interim reviews regarding contracts financing, special transactions and amendments in facility&rsquo;s original Terms and Conditions.
  </li>
  <li>
   Address any deviation of approved package or any risks emerged before conducting the regular annual review.
  </li>
  <li>
   Ensure that ALEXBANK is well positioned with each client in terms of competitive facility structure and offering all range of services.
  </li>
  <li>
   Ensure that when originally designing the facility package and upon annual reviewal that terms &amp; conditions provided to clients are in compliance with ALEXBANK's credit policy, strategy guidelines as well as CBE regulations.
  </li>
  <li>
   Review reports required by Division / Department Heads.
  </li>
  <li>
   Review Internal Outgoing Memos, Letters addressed to Corporate Clients, Financial and Legal Institutions.
  </li>
  <li>
   Ensure that the Annual Reviews are submitted on time and does not exceed the identified expiry threshold (as per the yearly agreed % ) and to ensure that the proposals are completed
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Qualifications:-
  </strong>
 </p>
 <ul>
  <li>
   5-10 Years of Experience
  </li>
  <li>
   Credit Certified.
  </li>
  <li>
   Client's care focused, solution oriented, Excellent communication and negotiation skills, sense of dialogue, ability to relate to people at all levels
  </li>
  <li>
   Excellent knowledge of payments and liquidity management corporate practices
  </li>
  <li>
   Excellent knowledge of the bank's procedures in account management and payment services
  </li>
  <li>
   Excellent knowledge of Projects management
  </li>
  <li>
   Marketing skills
  </li>
  <li>
   Analytical skills, able to offer tailored solutions
  </li>
 </ul>
 <p>
 </p>
</div>


Corporate Senior Relationship Manager / Corporate Relationship Manager

Aditya Birla Group

<div><div><div><div><div><div><div>Retail
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer - ABHFL - Retail - Tirunelveli</b></h1>
<div>Location: TN21, Madurai</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</li><li>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</li><li>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</li><li>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</li></ul><p>
Key Challenges</p><ul><li>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</li><li>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer - ABHFL - Retail - Tirunelveli

<div><div><div><div><div><div><div>Informal
</div><h1 class="jobSectionHeader"><b>Senior Key Relationship Officer - ABHFL - Informal - Tirunelveli</b></h1>
<div>Location: TN21, Madurai</div>
<p></p><div>
</div></div></div><div><h2 class="jobSectionHeader"><b>Job Description</b></h2>
<p></p><div><p>Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><ul><li>
ABHFL operates in the Rs. 11.4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015.</li><li>
The ABHFL Sales organization works broadly with 3 customer segments &ndash; retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs.</li></ul><p>
Job Context</p><p>
Key Aspects:</p><ul><li>
Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management.</li><li>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</li><li>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</li><li>
For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability</li><li>
For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage</li><li>
The (Sr.) Sales Officer (Direct) &ndash; ABHFL is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and AH (Sales), in terms of targeted book size, growth &amp; customer service objectives.</li></ul><p>
Key Challenges</p><ul><li>
To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc.</li><li>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</li></ul><p>
3) Job Context &amp; Major Challenges</p><p>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</p><p>
required</p><ul><li>
To upgrade financial &amp; operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability</li><li>
To check credit quality via effective portfolio selection/ pre screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations</li><li>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</li></ul><p>
Enabling Skill Sets &amp; Qualifications</p><ul><li>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</li><li>
Education &amp; experience required to fulfil this profile are a graduate with 0 - 2 yrs (3 &ndash; 4 yrs for Sr. Sales Officer) of sales experience in the Banking/ NBFC space.</li></ul><p>
4) Principal Accountabilities</p><p>
Accountability/ Supporting Actions</p><p>
Sales Planning &amp; Operations</p><ul><li>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</li><li>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</li><li>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</li></ul><p>
Customer Acquisition/ Engagement</p><ul><li>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</li><li>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</li><li>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</li></ul><p>
Operational Effectiveness
</p><ul><li>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</li><li>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</li><li>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</li></ul><p>
Self Development &amp; Internal Stakeholder
</p><ul><li>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</li><li>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</li></ul><p>
Management
</p><ul><li>Portfolio &amp; Risk Management</li></ul><ul><li>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</li><li>
Ensure compliant sales operations and sound risk management in day-to-day operations</li><li>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</li></ul><p></p>
</div><div><div><div>Minimum Experience Level</div>
<div><p>0 - 4 years</p></div>
</div><div></div><div><div>Job Qualifications</div></div></div></div></div></div></div></div><p></p>

Senior Key Relationship Officer - ABHFL - Informal - Tirunelveli

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Senior Key Relationship Officer - ABHFL - Retail - Tirunelveli

Senior Key Relationship Officer - ABHFL - Informal - Tirunelveli