senior relationship manager

مصرف ابوظبي الاسلامي

<div><p><b>Role : Senior Relationship Manager
</b><br>
<b>Location : Dubai
</b><br>
<br>
<b>Role Purpose:
</b><br>
This role is primarily responsible for developing and maintaining business relationships with SME clients to fullfill their banking requirements. Enhance customer relationships through regular planned meetings to maintain proper business relationship, identify further opportunities for x-sell and improve service.
</p><p><b>KEY METRICS:
</b></p><ul><li>Revenue:
</li><li>Expenses:
</li><li>Net Income:
</li><li>Assets:
</li><li>Headcount:
</li><li>Number of branches:
</li><li>Number of ATMs:
</li>Number of Direct Reports:<br>
<li>
<br>
</li></ul><p><b>Key Accountabilities of the role
</b><br>
<br>
<b><i>Credit
</i></b></p><ul><li>Acquire volumes principally from within the bank&rsquo;s existing portfolio (x-sell) and through other contacts / efforts and develops a database of qualified leads through referrals, telephone canvassing, face to face cold calling with business owners, direct mail, email, and networking on selective basis, as to achieve your business targets.
</li><li>Call Report preparation to be high standards i.e. informative, presentable, conclusive, professional, and comprehensive.
</li><li>Prepare credit applications &ndash; analysis financial statements and make it ready for the approval. Ensure that CA&rsquo;s for new clients and also renewals for existing clients are correctly prepared in accordance with the bank polices and regulatory framework.
</li><li>Analyze of working capital requirements for clients, monitors financial health of the clients' business and industry.
</li><li>Ensure that all documentations for credit proposals are complete with sufficient covered collaterals.
</li><li>Initiates and ensures disbursements and adjustments of loans.
</li><li>Ensure that the approved credit lines are valid and available for the clients.
</li><li>Verifies/ inspects hypothecated /pledged inventory, mortgage fixed assets&hellip;..ets to ensure minimum credit risk.
</li><li>Liaise with various internal departments (credit-risk, legal, operations, Trade finance&hellip;) for smooth and quick turnaround of transactions.
</li><li>Strictly adhere to Bank&rsquo;s financing policy Manual and report any exceptions
</li><li>Proper credit monitoring, through different methods mainly regular customer&rsquo;s sites visits i.e. office, showrooms, warehouses... and providing call reports for the same..
</li><li>Recover of banks dues in time through the daily reports and follow ups.
</li></ul><p><b><i>Customer Service
</i></b></p><ul><li>Maintain contact with all clients in the market area to ensure high levels of Client Satisfaction.
</li><li>Maintain high standard service with customers and ensure no complains.
</li><li>Responding on customers calls and starts with appropriate greetings.
</li><li>Develops, enhances and maintains relationships with prospective clients to ensure revenue / profit targets are met/ exceeded.
</li><li>Ensure that service quality norms and client satisfaction scores are met for their set of clients.
</li><li>To do regular visits to the customer&rsquo;s
</li></ul><p><b>Internal / External Cooperation
</b></p><ul><li>Demonstrate ability to interact and cooperate with all bank employees.
</li><li>Build trust, value others, communicate effectively, drive execution, foster innovation, focus on the customer, collaborate with others, solve problems creatively and demonstrate high integrity.
</li><li>Maintain professional internal and external relationships that meet department core values.
</li><li>Proactively establish and maintain effective working team relationships with all support departments
</li></ul><p><b>Specialist Skills / Technical Knowledge Required for this role:<br>
</b><br>
</p><ul><li>Good knowledge of ADIB&rsquo;s Business Banking products &amp; services
</li><li>Experience of credit analyses and balance sheet spreading.
</li><li>Good knowledge of ADIB&rsquo;s Operational Policies &amp; Procedures
</li><li>Proficient in credit appraisal techniques including credit, risk, business &amp; financial analysis.
</li><li>Knowledge of Business Relationship Management.
</li><li>Fair Knowledge of UAE banking practices , regulations &amp; risks
</li><li>Good Knowledge of Anti-Money laundering regulations issued by the UAE Central Bank and other regulatory authorities
</li><li>General awareness of competitors in the local market
</li><li>Excellent knowledge of service standards
</li><li>Knowledge of Cross Sales
</li><li>Computer skills
</li>Excellent Communication Skills.<br>
<li>
<br>
</li></ul><p><b>Previous experience:
</b></p><ul><li>Minimum five (05) years' experience as a Relationship Management experience in a banking environment.</li></ul></div>

Senior Relationship Manager

High Street Resources

Our client is one of the UAE's leading financial institutions providing banking and financial services, is seeking a seasoned Senior Relationship Manager to join its esteemed Real Estate Unit Team.
<br><br>
<b>Job Purpose:</b><br>
<ul>
<li>Maintain complex multi-product Group relationships and solicit acceptable new relationships by originating transactions across Bank’s product suite, to achieve pre-set financial & non-financial objectives.</li>
<li>Play an active & integral role in deal origination efforts and coordinating between clients and product team(s) in the mandate execution.</li>
<li>Optimize utilization of approved Credit limits, by facilitating transactions & addressing Operations &/or Documentation requirements.</li>
<li>Responsible for credit risk assessment, risk rating and structuring of facilities for assigned corporate relationships working with Credit Relationship Managers (CRMs), meeting the customers, preparing Credit Proposals (CPs) and liaising with Wholesale Risk Management (WRM) and the Compliance Unit to resolve all queries related to risk and compliance issues, respectively.</li>
<li>In-depth knowledge of the Bank’s policies and operating systems.</li>
<li>Understanding of economic trends vis-à-vis understanding of regional / global financial markets.</li>
<li>Strong credit and marketing skills along-with intuitive / judgment skills to evaluate risks beyond the obvious.</li>
</ul>
<b>Key Result Areas:</b><br>
<ul>
<li>Review existing portfolio in a timely manner, recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risk to an acceptable level, and achieve a satisfactory rating on portfolio quality and credit management processes.</li>
<li>Formulate ‘Relationship Strategy’ & ‘Account Plan’ for each client and ensure establishment of appropriate penetration/cross-sell strategies to attain objectives per KPI.</li>
<li>Develop strong working relations with all existing clients at the decision-making level, to position the bank as their preferred bank.</li>
<li>Hands-on account management to ensure effective and timely delivery of the banks’ services/products to clients through proactive interaction across the bank, to attain desired level of customer satisfaction.</li>
<li>Maintain an active pipeline; focusing on ‘new to bank’ transactions / business. The incumbent functions within identified market segments and geographical boundaries and is required to adhere to the policies and guidelines set out in the Central Bank regulations/ Bank’s internal credit, operational and risk management policies and manuals and operate within UAE legal system/Overseas legal (if applicable).</li>
<li>Externally, the incumbent is required to liaise with the business and banking community and coordinate with Legal Counsels on work related to legal issues.</li>
<li>Internally, the job holder has working relationships with the Treasury, Operations, Support Divisions, Retail Banking, and the Risk Management Division, to achieve / maximize business opportunities, contain risks, and ensure that the financial /non-financial objectives are met.</li>
</ul>
<b>Knowledge, Skills and Experience:</b><br>
<ul>
<li>Candidate must have an in-depth understanding of the real estate (RE) market and financing product suite.</li>
<li>Experience in managing RE clients is a must.</li>
<li>The individual must understand the risks associated with RE lending especially during various stages of Asset Acquisition and Development.</li>
<li>Ability to independently structure financing requirements whilst keeping in mind organizational lending policies is important.</li>
<li>Knowledge of related legal infrastructure including the Escrow laws is a plus.</li>
</ul>


Senior Relationship Manager, Real Estate Unit (VP)

Confidential

<h2><strong>Job Description – Associate / Relationship Manager / Senior Relationship Manager – Sales</strong><br>&nbsp;</h2><p><strong>Job Objective</strong><br><br>To drive sales performance and maximize revenue by executing real estate sales transactions, building lasting client relationships, and ensuring exceptional customer service. The role’s scope and responsibilities expand based on experience and seniority, from supporting sales initiatives to independently managing high-value clients and international portfolios.<br>&nbsp;</p><h3><strong>Key Responsibilities</strong><br>&nbsp;</h3><p><strong>All levels (core responsibilities):</strong><br>&nbsp;</p><ul><li>Manage and convert incoming leads into successful transactions as per the approved sales plan.</li><li>Negotiate and finalize terms of sales agreements in line with company policies.</li><li>Build and nurture strong relationships with brokers, agents, and clients to enhance customer satisfaction.</li><li>Maintain accurate and timely sales reports; review progress and recommend strategies to achieve targets.</li><li>Ensure all sales documentation and CRM entries are accurate and updated.</li><li>Generate and maintain a strong sales pipeline through networking, market research, and client engagement.</li><li>Conduct market surveys and provide insights on competitive trends.</li><li>Respond to client queries promptly and professionally.</li><li>Uphold compliance with company policies, rules, and HSE requirements.<br>&nbsp;</li></ul><p><strong>Role differentiations by level:</strong><br>&nbsp;</p><p>🔹 <strong>Associate Relationship Manager – Sales</strong><br>&nbsp;</p><ul><li>Support senior colleagues in managing client accounts and negotiations.</li><li>Focus on lead qualification, client onboarding, and preparing sales documentation.</li><li>Contribute to market research and competitive analysis.</li><li>Gain exposure to cross-department collaboration (marketing, operations, finance).<br>&nbsp;</li></ul><p>🔹 <strong>Relationship Manager – Sales</strong><br>&nbsp;</p><ul><li>Independently manage assigned client accounts and broker relationships.</li><li>Drive sales performance against individual and team targets.</li><li>Develop sales strategies for allocated assets and markets.</li><li>Provide advisory-level support to clients, ensuring trust and repeat business.</li><li>Act as a key point of contact for local and regional markets.<br>&nbsp;</li></ul><p>🔹 <strong>Senior Relationship Manager – Sales</strong><br>&nbsp;</p><ul><li>Lead and manage a portfolio of high-value clients.</li><li>Mentor and support junior team members (Associates, RMs).</li><li>Develop and execute sales strategies for new markets.</li><li>Build strategic relationships with institutional brokers and corporate clients.</li><li>Represent the company at real estate exhibitions, forums, and events.</li><li>Provide market intelligence to senior management to shape business strategy.<br>&nbsp;</li></ul><p><i>International exposure and ability to manage overseas clients is a strong addition for this role.</i><br>&nbsp;</p><h3><strong>Qualifications</strong><br>&nbsp;</h3><ul><li><strong>Associate RM</strong>: Diploma or Bachelor’s degree in Business, Marketing, or related field.</li><li><strong>Relationship Manager / Senior RM</strong>: Bachelor’s degree required; Master’s degree (MBA or similar) preferred.<br>&nbsp;</li></ul><h3><strong>Experience</strong><br>&nbsp;</h3><ul><li><strong>Associate RM</strong>: 2–4 years of sales/customer service experience, preferably in real estate.</li><li><strong>Relationship Manager</strong>: 5–7 years in real estate sales, with proven track record in managing accounts.</li><li><strong>Senior RM</strong>: 8–12 years of sales experience, including 3–5 years in senior roles; <i>international experience is an advantage.</i><br>&nbsp;</li></ul><h3><strong>Skills &amp; Competencies</strong><br>&nbsp;</h3><ul><li>Strong knowledge of real estate sales, property law, and market dynamics.</li><li>Excellent communication, negotiation, and presentation skills.</li><li>Ability to inspire trust and confidence in clients and brokers.</li><li>Strong commercial awareness and numerical skills.</li><li>Confidence, maturity, and ability to work under pressure.<br>&nbsp;</li></ul><p><strong>For Senior RM:</strong> Leadership and mentoring capabilities; <i>international exposure is an added value.</i></p><p>&nbsp;</p><p><strong>Note</strong>: The scope of responsibilities and performance expectations will vary depending on the role level.</p>

Associate Relationship Manager / Senior Sales Relationship Manager / Sales Relationship Manager

البنك التجاري الدولي

<div></div><div><div>Description<div></div><p><b><br>
Budget</b></p><p>
1. Grow current business, maximize customer penetration, and meet set business plan through conducting sales meetings with targeted clients in designated branches in coordination with the Commercial &amp; BB District Head to ensure smooth business transfer and proper hand over process</p><p>
2. Attract new Business banking companies to maximize Bank&rsquo;s liabilities, assets, and trade finance as well as cross selling CIB&rsquo;s affiliates</p><p>
3. Offer Business Banking products to targeted customers based on their size and segment to best suit their needs</p><p><b>
Service Quality</b></p><p>
4. Respond and follow up on sales inquiries for targeted clients to comply with the set level of service &amp; ensure customer satisfaction</p><p>
5. Handle customers&rsquo; complaints properly, directs them to the relevant channels and recommends solutions to evade re-occurrence and ensure they are closed within the set TAT</p><p>
6. Responsible for the continuous update of the Business Banking customer data &amp; KYC to develop &amp; improve the database with the support of the Commercial &amp; BB Service Representative</p><p><b>
Reports / Analysis</b></p><p>
7. Report inflows and outflows of the Business Banking companies on daily basis to monitor performance against set budgets, and plan for any rectification if needed</p><p>
8. Prepare Call Memos for current business banking customers to report their market situation frequently through site visits, phone calls and checking the suppliers and buyers&rsquo; lists</p><p><b>
Policies, Processes and Procedures</b></p><p>
9. Follow all relevant department policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent manner</p><p><b>
Day-to-day management</b></p><p>
10. Follow the day-to-day operations related to own jobs in the Commercial &amp; BB Distribution department to ensure continuity of work</p><p><b>
Compliance</b></p><p>
11.Complies with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB&rsquo;s sound legal position and mitigate any potential risks</p><div><br>
</div></div><div>
Qualifications<div></div><p><b><br>
Qualifications &amp; Experience</b></p><p>
&sect; Bachelor&rsquo;s degree of Commerce, Business Administration, Accounting or its equivalent. Preferably, MBA holder</p><p>
&sect; Minimum 4 years of relevant experience for Relationship Manager and minimum 5 years of relevant banking experience for Senior Relationship Manager</p><p>
&sect; Good command of English and Arabic languages</p><p>
&sect; Must be capable of using basic computer software such as Office, Internet and email</p><p>
&sect; Business Banking RM has to pass successfully the SEMP exam to be promoted to Business Banking Senior RM.</p><p><b>
Skills</b></p><p>
&sect; Selling skills</p><p>
&sect; Customer centric</p><p>
&sect; Quantitative and qualitative analytical skills</p><p>
Excellent Communication and negotiation skills</p><div><br>
</div></div><div>
Primary Location: Egypt-Giza-NADI EL SEID BRANCH</div><div>
Work Locations: NADI EL SEID BRANCH</div><div>
Job: Front Liner</div><div>
Organization: RETAIL &amp; COMMERCIAL BANKING</div><div>
Shift: Day Job</div><div>
Job Type: Full-time Employee</div></div>

BUSINESS BANKING RELATIONSHIP MANAGER (PAYROLL)

Jio markets trading

<p><b>Job Description &ndash; Relationship Manager (FX &amp; CFDs)</b></p><p><b>About Us</b></p><p>We are a leading global brokerage specializing in Foreign Exchange (FX) and Contracts for Difference (CFDs). Our mission is to provide clients with innovative trading platforms, competitive pricing, and world-class support, ensuring long-term partnerships with retail and institutional traders worldwide.</p><p><b>Position Overview</b></p><p>The Relationship Manager (FX &amp; CFDs) will be responsible for building, maintaining, and expanding relationships with retail and institutional clients. This role requires in-depth knowledge of FX &amp; CFD products, trading platforms (MT4/MT5), and client account management. The ideal candidate will serve as a trusted partner to clients, ensuring high satisfaction while identifying opportunities for growth and retention.</p><p><b>Key Responsibilities</b></p><p><b>1. Client Relationship Management</b></p><ul><li>Manage and grow a portfolio of high-value retail and institutional clients.</li><li>Serve as the primary point of contact, handling queries and resolving issues promptly.</li><li>Ensure clients receive excellent trading support, account guidance, and platform training.</li><li>Proactively strengthen client loyalty and retention through regular engagement.</li></ul><p><b>2. Business Development &amp; Growth</b></p><ul><li>Identify and pursue opportunities to increase client trading volumes and wallet share.</li><li>Support cross-selling of additional products, services, and platform features.</li><li>Work with sales teams to acquire and onboard new clients.</li><li>Contribute to client retention campaigns, events, and promotional activities.</li></ul><p><b>3. Market &amp; Product Knowledge</b></p><ul><li>Maintain a strong understanding of FX &amp; CFD products, global financial markets, and trading trends.</li><li>Provide basic market insights and updates to clients (without offering investment advice).</li><li>Educate clients on trading platforms (MT4/MT5, WebTrader, mobile apps) and tools.</li></ul><p><b>4. Compliance &amp; Reporting</b></p><ul><li>Ensure all client interactions comply with regulatory standards (MiFID II, ESMA, FCA, CySEC, DFSA, ASIC, etc.).</li><li>Assist in client onboarding, KYC/AML verification, and account monitoring.</li><li>Maintain accurate records of communications and transactions.</li><li>Prepare reports on client activity, feedback, and business performance.</li></ul><p><b>5. Internal Collaboration</b></p><ul><li>Work closely with dealing desk, risk, compliance, and IT teams to support client needs.</li><li>Provide client feedback to improve products, platforms, and services.</li></ul><p><b>Key Requirements</b></p><ul><li>Bachelor&rsquo;s degree in Finance, Economics, Business, or related field.</li><li>3&ndash;5+ years of experience as a Relationship Manager / Account Manager in the FX &amp; CFD brokerage industry.</li><li>Strong knowledge of trading products, platforms (MT4/MT5), and brokerage operations.</li><li>Excellent communication, interpersonal, and negotiation skills.</li><li>Proven track record in client retention, upselling, and account growth.</li><li>Ability to handle multiple client relationships in a fast-paced environment.</li><li>Fluency in English; additional languages (Arabic, Mandarin, Russian, Hindi, etc.) are an advantage.</li></ul><p><b>Preferred Skills</b></p><ul><li>Experience with CRM systems and client reporting tools.</li><li>Knowledge of regulatory requirements and compliance procedures.</li><li>Strong presentation and relationship-building skills.</li><li>Ability to work under pressure during volatile market conditions.</li></ul><p><b>What We Offer</b></p><ul><li>Competitive compensation package (fixed + performance incentives).</li><li>Opportunity for career progression into Senior Relationship Manager or Business Development Manager roles.</li><li>Exposure to global financial markets and advanced trading technologies.</li><li>A collaborative, multicultural, and performance-driven work environment.</li></ul><p>Job Type: Full-time</p><p>Pay: From AED5,000.00 per month</p>

Relationship Manager (FX & CFD'S )

Emirates NBD

<div><p><b>COMPANY INTRODUCTION<br>
</b></p><p></p><p>Emirates NBD is a market leader across the MENAT (Middle East, North Africa and T&uuml;rkiye) region with a presence in 13 countries, serving over 20 million customers. The Emirates NBD Group has a total of 853 branches and 4,213 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 3.89 billion.<br>
</p><p></p><p>At the bank, we serve our customers and help them realise their financial objectives through a range of banking products and services including retail banking, corporate &amp; institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations.<br>
</p><p></p><p>We are a key participant in the global digital banking industry, with 97% of all financial transactions and requests conducted outside of our branches. We also operate Liv, the lifestyle digital bank by Emirates NBD. With close to half a million users, it continues to be the fastest-growing digital bank in the region.<br>
</p><p></p><p><b>JOB PURPOSE
</b></p><p>The <b>Assistant Relationship Manager </b>- Global External Asset Management Coverage, Private Banking is an important pillar within the Front Office of the Private Bank. The position has mainly client servicing and revenue-generating responsibilities.<br>
</p><p></p><p>The Assistant Relationship Manger is an important pillar within the Front Office of the Private Bank despite being the most junior Relationship Manager. The position has mainly Revenue generating responsibilities.<br>
</p><p></p><p><b>RESPONSIBILITIES
</b></p><p><i>Your role will involve:<br>
</i></p><p></p><ul><li>Develop own existing client relationships, guided and coached by Team Leader or Senior Director
</li><li>Identify potential prospects and develop them to become clients of the bank.
</li><li>Liaise with the Private Banking Investments Team to deliver effective banking solutions tailored to the clients&rsquo; requirements
</li><li>Regularly conduct quarterly account reviews in liaison with the allocated Investment Advisor (for accounts above a certain balance threshold) and extend Investment Proposals as result of the review.
</li>Operational issues &ndash; Account opening &amp; maintenance and transactions<br>
<li>
</li></ul><p></p><p><b>REQUIREMENTS
</b></p><p><i>To be successful in this challenging role, you must be able to demonstrate:<br>
</i></p><p></p><p><i>Essential
</i></p><ul><li>Bachelor&rsquo;s degree in finance/ economics/ Banking
</li><li>Minimum 1-2 years overall related experience
</li><li>Having an existing book of relationships and contacts consisting of high-net-worth individuals
</li><li>Experience in the framework and business etiquette in MENA markets
</li><li>Basic knowledge of assets &amp; liabilities products as well as capital markets, portfolio management and investment products
</li><li>Understanding of Compliance, Due Diligence and Anti-Money Laundering Acts as well as standard banking procedures
</li>General understanding of legal structures (Offshore, Trusts)<br>
<li>
</li></ul><p></p><p><b>WHAT WE OFFER YOU...
</b></p><ul><li>Competitive salary package
</li><li>Strong emphasis on work/life balance
</li><li>Generous annual leave entitlement and Private Healthcare
</li><li>World-class Learning &amp; Development platform and career development
</li>Preferential banking facilities for employees<br>
<li>
</li></ul><p></p><p>If you have the skills, experience and drive to take on this role, we look forward to receiving your application.
</p><p>#LI-LA1</p></div><p></p>

Assistant Relationship Manager - Private Banking - EAM

Aditya Birla Group

<div><div><div><div><div><div><p>Retail
</p><p>Senior Key Relationship Officer- Retail-Bhopal</p>
<p>Location: MP22, Bhopal</p><p></p><div><div><br>
</div></div></div></div><div></div><div><div><div>Job Context &amp; Major Challenges</div><div>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</div><ul><p>
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.</p><p>
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.</p></ul><div>
Job Context</div><div>
Key Aspects:</div><ul><p>
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.</p><p>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</p><p>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</p><p>
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</p><p>
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</p><p>
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.</p></ul><div>
Key Challenges</div><ul><p>
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.</p><p>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</p></ul><div>
3) Job Context &amp; Major Challenges</div><div>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</div><div>
required</div><ul><p>
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</p><p>
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</p><p>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</p></ul><div>
Enabling Skill Sets &amp; Qualifications</div><ul><p>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</p><p>
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.</p></ul><div>
4) Principal Accountabilities</div><div>
Accountability/ Supporting Actions</div><div>
Sales Planning &amp; Operations</div><ul><p>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</p><p>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</p><p>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</p></ul><div>
Customer Acquisition/ Engagement</div><ul><p>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</p><p>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</p><p>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</p></ul><div>
Operational Effectiveness
</div><ul><p>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</p><p>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</p><p>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</p></ul><div>
Self Development &amp; Internal Stakeholder
</div><ul><p>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</p><p>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</p></ul><div>
Management
</div><div><div>Portfolio &amp; Risk Management</div></div><ul><p>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</p><p>
Ensure compliant sales operations and sound risk management in day-to-day operations</p><p>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</p></ul><div></div>
</div><div><div><p>Minimum Experience Level</p>
<div><div>0 - 4 years</div></div>
</div><div></div><div><p>Job Qualifications</p>
<div></div><div><div><b>Job Context &amp; Major Challenges</b></div><div><b>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</b></div><ul><p><b>
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.</b></p><p><b>
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.</b></p></ul><div>
Job Context</div><div><b>
Key Aspects:</b></div><ul><p><b>
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.</b></p><p><b>
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives.</b></p><p><b>
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients</b></p><p><b>
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</b></p><p><b>
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</b></p><p><b>
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.</b></p></ul><div><b>
Key Challenges</b></div><ul><p><b>
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.</b></p><p><b>
To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as</b></p></ul><div><b>
3) Job Context &amp; Major Challenges</b></div><div><b>
(What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone?</b></div><div><b>
required</b></div><ul><p><b>
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</b></p><p><b>
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</b></p><p><b>
To ensure compliant sales operations at all times, despite sales pressures and market cycles</b></p></ul><div><b>
Enabling Skill Sets &amp; Qualifications</b></div><ul><p><b>
Critical skill sets required to meet these challenges include commercial acumen, communication, product-market awareness, and execution skills.</b></p><p><b>
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.</b></p></ul><div><b>
4) Principal Accountabilities</b></div><div><b>
Accountability/ Supporting Actions</b></div><div><b>
Sales Planning &amp; Operations</b></div><ul><p><b>
Work with Sales Manager (Direct) - ABHFL and plan sales operations for achieving targets (including cross-sell), considering competitive forces and local trends</b></p><p><b>
Scan the local market and competitive offerings on a periodic basis to adapt sales efforts accordingly</b></p><p><b>
Provide data for and compile periodic MIS reports for disbursements, NPAs, target achievement, etc.</b></p></ul><div><b>
Customer Acquisition/ Engagement</b></div><ul><p><b>
Work on assigned and identified prospects list for client relationship origination and maintenance activities, interacting with ground-level client stakeholders</b></p><p><b>
Understand and communicate understanding of product characteristics and benefits to end customers effectively in order to enhance effectiveness of sales efforts</b></p><p><b>
Attend to customer complaints effectively, escalating critical cases to Sales Manager (Direct) - ABHFL as required</b></p></ul><div><b>
Operational Effectiveness
</b></div><ul><p><b>Execute operations efficiently across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections)</b></p><p><b>
Ensure adequate focus on different distribution channels, working with Manager for interfacing with senior stakeholders/ complex cases</b></p><p><b>
Implement prescribed processes and best practices to enhance operational effectiveness, productivity and sales performance</b></p></ul><div><b>
Self Development &amp; Internal Stakeholder
</b></div><ul><p><b>Attend relevant technical and behavioral trainings/ seminars and work on self development initiatives</b></p><p><b>
Coordinate with internal stakeholders for smooth operations and alignment towards achievement of targets</b></p></ul><div><b>
Management
</b></div><div><div><b>Portfolio &amp; Risk Management</b></div></div><ul><p><b>
Work with the Risk, Operations and Sales Governance team members to ensure adherence to risk management and control mechanisms</b></p><p><b>
Ensure compliant sales operations and sound risk management in day-to-day operations</b></p><p><b>
Compile and ensure systematic, accurate MIS on NPAs and credit trends, providing inputs on factors impacting portfolio quality</b></p></ul></div></div></div></div></div></div></div></div><div></div>

Senior Key Relationship Officer- Retail-Bhopal

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