Ashutosh Gupta

18052
Div: B

RELATIOSHIP MANAGER

A Relationship Manager could work in either Retail or Wholesale Banking and is required to
help and advice clients. The range and scope of his work would range from helping clients
with their account details to giving advice on financial investments. He/she needs to cater to
individual clients while trying to generate new business and clients for the bank.

The Job Role and Responsibilities

A retail Relationship Manager would primarily deal with individual retail customers and advise
them on various banking and financial products and services offered by the bank. A wholesale
Relationship Manager would be catering to the corporate clients like SME's or large
corporations.
Sometimes a Relationship Manager might also be required to supervise other bank employees
who communicate with his/her clients, like loan officers etc. A Relationship Manager is
expected to have sound financial knowledge as well as thorough information about his/her
company's various offerings in order to identify the need of the customer and advise him
accordingly. He/she needs to have an understanding of banking regulations, latest products and
services, specific markets related to the clients he/she is handling.

Competencies and Skills Required

A Relationship Manager is required to interact with customers for most part of his/her day and
so good communication and presentation skills are a prerequisite for the job. The job also
requires thorough financial and sector knowledge in order to provide sound and reliable advice
to clients. The major skills and competencies that employers look for are:
 Excellent communication and listening skills
 Confidence and Presentation skills
 Understanding and interest in financial / banking products and markets
 Ability to analyse and research information
 Ability to explain complex information clearly and simply
 Good sales and negotiation skills

Responsibilities
 Understand customer needs and develop plans to address them
 Identify key staff in client companies to cultivate profitable relationships
 Resolve customer complaints quickly and effectively
 Forward upselling and cross-selling opportunities to the sales team
 Promote high-quality sales, supply and customer service processes
 Aim to preserve customers and renew contracts
 Approach potential customers to establish relationships
 Gain solid knowledge of competitors

Who you will work with:

Sales Team, Complaints team, Service delivery, Audit & QIG, Support functions like AFU,
Policy, Product, Operations, BSG, BIU etc

Educational Qualifications:
Graduates With at least 2-3 years of experience in similar role

Experience Required:
Minimum experience of 2-3 years in Compliance, Complaints, Service delivery, relationship
management. Preferred from Banking / Financial Services. Or relevant experience