RM-Escrow

Job Title

Escrow Relationship Manager - ECG

Business Unit

Emerging Corporate Group

Reporting To

Unit Head / Team Lead / RH

Job Function and Role Type

Sales, Individual Contributor, Moderate Travel Required

Version No

2.0

Job Purpose

Drive business development and acquisition of liability, asset, transactional banking products, and escrow structures to generate income. Manage and retain client relationships while cross-selling bank products.

Key Responsibilities

Business Development & Portfolio Management

Achieve business targets on volumes and income with a focus on liability business. Acquire new customers and increase wallet share of existing customers.

Increased Product Penetration & Cross sell

Identify opportunities for product penetration and cross-sell banking products including CASA, FDs, credit facilities, and digital solutions. Promote retail and digital banking products like Salary, POS, PG, and Trade-on-Net.

Operations & Processes

Prepare CAMs, SRMs, renewals, and call memos in a timely manner. Ensure compliance with KYC/AML regulations and manage deferrals/documentation.

Client Retention, Management & Servicing

Retain existing client relationships and ensure high client satisfaction. Resolve customer queries and complaints effectively.

Intra Bank Coordination & Communication

Collaborate with internal teams to support cross-sell initiatives and provide insights for regional growth.

Management of Stress and Critical Accounts

Improve portfolio yield and ensure strong return on capital. Update client calls in CRM for monitoring and task assignment.

Products include bank's retail and digital

Promote retail and digital banking products to enhance revenue.

Housekeeping: Includes timely preparation of

Ensure timely preparation of CAMs, SRMs, and quarterly results. Adhere to management guidance and regulatory requirements.

Recommendation of Credit Limits

Conduct credit appraisals and recommend appropriate credit limits.

Education:

MBA from a reputed institute preferred.

Certifications:

MBA, CA.

Key Competencies

Relationship management, sales and negotiation skills, analytical and credit appraisal skills, team player, strong business ethics.

Major Stakeholders

Customers including financiers, real estate companies, corporates, trustee companies, and law firms. Internal teams such as CPU, WBO/Escrow operations, Legal, CMS, Treasury, and Compliance.