Generic Accountability
- KYC & onboarding governance framework ensure a thorough understanding of on-boarding governance framework to onboard as CB & banks processes/guidelines.
- Ops Risk Management: adhere to SOPs to ensure the processing of customer transactions.
- Compliance Risk Management: Ensure complete understanding & adherence to compliance risk management.
- AML & Transaction monitoring: act immediately on AML alerts to mitigate risks. Further liaise with internal stakeholders to initiate immediate actions.
- Channel migration: educate customers on the key benefits of migrating to channels and further assist to onboard customers on channels.
- Product Knowledge: deep understanding of business banking products to increase cross-sell and hence revenue per client.
- Customer Excellence: Deliver best in class services for Business Banking customers at the Business Banking desks. Ensure that customers are satisfied and are provided the best services
- Complaint Management: Resolve customer issues and queries in a way that reflects and expresses excellent customer service. Ensures timely follow-up and escalation of client issues.
- Assist in the preparation of timely and accurate statements and reports to meet department requirements policies and quality standards. Being Team Player & Coordination with RM/Sr RM.
Job Specific Accountabilities / KPIs
Customer Onboarding
- Ensure client onboarding of New to Bank clients for Liabilities Business Accounts and Deposits mobilization.
- Upselling /Cross selling to existing client base by marketing of all products of the bank including Trade unfunded products (100% cash backed proposition).
- Enable i-Banking Online platform channel Migration & Activation for all existing & NTB client base for superior client experience and enhanced revenues.
- Generate Referrals by referring clients to other coverage sales channels & Liability RMs PB for Revenue generation products viz. TWC PL Assets Fx Investments Banca Liabilities WPS & Retail products.
- Maintain customer documents and files in accordance with banks policies and procedures. Ensures accuracy of all bank forms and documents executed by the customer.
- Implement a structured calling program to give effect to the relationship plan pertaining to existing customers.
- Perform ongoing credit risk management and daily monitoring of credit portfolio. Resolve and minimize pending deferrals and limit expiry across borrowing portfolio.
- Timely response to internal and external emails and communications. Responsible for preparing and assisting in business banking customer requirements.
- Gather requisite information and documents for preparation of Credit Applications Credit Assessment & Approval.
- Pro-actively work to maximize customer satisfaction and requirements of clients. Analyze process issues to streamline the overall customer experience.
Internal Processes
- Adhere to the prescribed Sales & Compliance processes as per Banks policies. Implement governance & controls to proactively identify manage and minimize/mitigate potential losses to the franchise.
- Ensure strict adherence to Risk Control Assessment RCA process across all areas of Business Banking Department - Selling Client Onboarding Recruitment Training Performance Management Human Resources Fraud Control Operations and Client Application & KYC Documentation etc.
- Ensure customer onboarding and various other services to Business Banking customers are managed within current policies and procedures. Any deviations to be backed by requisite approvals.
- Manage service delivery expectations of customers to sustain positive NPS score and minimize NPS detractors in the managed portfolio.
- Receive inbound customer calls redirected to RMs by Branches / Call Center / Client Services and attend till resolution of complaint / query response.
- Monitor transactions in customer accounts are in line with KYC. Ensures timely processing of all customers-initiated transactions to enable increased share of wallet.
- Obtain customer information and reply to AML alerts raised on assigned accounts within timelines co-ordinate for issuance of Liability letter / No Liability letter and subsequent settlement of loan.
#LI-MM2
Qualifications :
Minimum Qualification
Bachelors Degree in Business Administration Finance Banking or a related major field of study is preferred.
Minimum Experience
5 years relevant experience in the Corporate Commercial or Business Banking with at least 3 years in similar positions of progressively increasing responsibilities in the support function.
Remote Work :
No
Employment Type :
Full-time