EEG-RM Working capital

Job Name RM-EEG
Job Title : RM-EEG
Business Unit: Emerging Enterprises Group
Team : Emerging Enterprises Group
Reports to (job) : Territory Head
Location of role : Ludhiana
Job Function : Sales
Role Type: Individual contributor
*IC - Individual contributor
Job Band Range : E1 E4
Travel Required: Moderate , should be comfortable in travel for work in assigned location.

Vehicle- Two-wheeler & four wheeler mandatory for this role.

Job Purpose
To run initiatives in line with key objectives of the Business in order to attain the banks objective of business leadership.
Key Responsibility Areas :
Branch Management
Actionable
1
Plan the branch visits detailing the coverage every week
2
Meeting the branches during the morning meeting - every
branch once a month
3
4
5
Scoping the RM/PB customer for lead/joint calls OR make use
of available resources in the branch for leads/joint calls
Planning the catchment area activity/scoping for lead
generation/joint call
Ensure RM/PB activation from the activities above and
review of branch performance/resource wise
performance/review with CH as and when required.
6
7
8
Creating excitement in branches/spot
sanctions/contests/recognition program
Check CRM daily and review the leads/update follow up
leads/with dates
Document branch meeting through Cogent/mails
Lead generation/logins
1. Planning the above so that it translates into 2 calls per day/2
appointments per day
2. Send the communication to the customer on documents
required
3. Follow up the on the calls made for documents/arrange for
pickup of documents
4. Check for completeness of documents
5. Go through the Financials/bank statements for
churn/bounces/interest servicing
Classification - Confidential

Classification - Confidential
6. Collection of property documents for legal/valuation - check
for completeness chain docs etc.
7. KYCs
8. List down the points to be clarified from the customer
9. Fill in the FAQs post discussion with the customer
10. SPE updation
11. Submission of file to ops for scanning
12. Submission of docs for legal/valuation
13. Co-ordination with customer/valuer
14. Buyer/supplier ref check -----> Ref leads
Cross Selling
Renewals
1. To be the one-stop shop for each of our EEG clients and
provide suitable gamut of financial products such as
Insurance, CASA, Credit Cards, Other Assets Products as
required by the customer.
2. Monitor and track Leads.
1. List down the renewals every month for the next two months
2. Work on the renewals in advance
3. Mail to the respective customers on docs required for
renewal
4. Follow up weekly twice for docs
5. Arrange for collection of documents
6. Check the documents for completeness
7. Study the financials/bank statements/churn/interest
servicing/aberrations from the stated nos
8. Speak to the customer for addressing issues/aberrations
9. SPE
10. Hand over to ops for scanning
11. follow post login formalities
12. For renewals overdue and having genuine delay put up for
extensions
CAM conditions review/OBA review
1. Churn review for OBA once a month
Classification - Confidential

Classification - Confidential
2. Conditions review once a month
3. If OBA waiver required/check for justification/check for
churn/put up to the authority
4. If not inform the customer on closure of OBA/levy of 2%
penalty
5. Same for CAM conditions
Call Memos
1. List down the call memos due for the quarter
2. Review of ASR/ACR/cam conditions/deferrals for the
customers
3. Meet the customer and understand the business/issues if
any
4. Upload the call memos in shock and awe for
endorsement/noting
Portfolio Management and Housekeeping (HK)
Stock insurance/property insurance
1. Reduce HK.
2. Closure of critical and high aging items
1. Communicate the premium to the customer after listing
down the pendency
2. Collect docs if required
3. Submission to OPS
Delinquency management
1. Depending upon severity of each case - Customer Call for
servicing Interest.
2. Email communication to Branch & customer
3. Personal Visit to Customer / Joint Visit with Credit Manager;
4. Rigorous follow-up
Complaints : CRM / MD / PNO / CRO
1. Analyze complaint
2. Seek resolution post discussing with Customer
Educational Qualifications
Key Skills

Educational Background C.A, MBA,

Interpersonal Skills
Graduate


Coordination with multiple teams & multiple activities
Ability to work under pressure.
Experience Required:
Classification - Confidential

Classification - Confidential

Total Work experience 1-3 years
Major Stakeholders


¢
¢
Branch Banking Team
Operations
Product Team
Credit
Classification - Confidential