Preferred Rm, Imperia RM-(Portfolio & Sales-No Operations)

Role & responsibilities

ROLE PURPOSE
• Acquire, manage, deepen and retain HNI customer relationships under Preferred/Imperia programs.
• Act as the single point of contact for all financial and service needs of mapped customers.
• Enhance relationship profitability by increasing wallet share, product penetration and overall book size.

KEY RESPONSIBILITIES

HNW PORTFOLIO MANAGEMENT
• Acquire new HNI customers meeting Preferred/Imperia programme criteria.
• Conduct regular interactions to understand client needs and update financial profiles.
• Enhance portfolio value, book size and ensure hygiene metrics (KYC/AML/5S compliance).
• Manage attrition and achieve monthly and yearly revenue targets.

SALES, CROSSSELL & PRODUCT PENETRATION
• Crosssell bank and thirdparty products based on customer needs.
• Increase wallet share and drive higher product penetration across customer groups.
• Improve IPGH (Income Generating Product Holdings).
• Conduct joint calls with supervisors where required.

CUSTOMER SERVICE & EXPERIENCE
• Deliver high-quality customer service; resolve queries and complaints within defined TAT.
• Provide timely updates on regulatory and process changes to customers.
• Promote digital banking channels for convenience and service efficiency.
• Ensure smooth handover/takeover of customer portfolios.

ADVISORY & RELATIONSHIP DEEPENING
• Recommend tailored financial solutions (investment planning, asset allocation, risk management).
• Partner with Wealth, Treasury and Product teams for advanced advisory services.
• Strengthen relationships through proactive communication and need-based engagement.

OPERATIONS, COMPLIANCE & DOCUMENTATION
• Ensure error-free documentation for account opening and customer service requests.
• Strictly adhere to KYC/AML norms and all internal compliance standards.
• Maintain accurate records and follow all operational processes meticulously.

SKILLS & COMPETENCIES
• Strong sales and influencing abilities.
• Excellent knowledge of banking products, customer segments and market trends.
• Exceptional communication and relationship-building skills.
• Strong planning, organizing and portfolio management capabilities.
• NRI product and regulatory knowledge (especially relevant for Imperia RM roles).

EDUCATION & CERTIFICATIONS
• Graduation mandatory; post-graduation preferred.
• Preferred certifications: AMFI, IRDA, NCFM and NRI regulatory knowledge.