JOB DESCRIPTION RELATIONSHIP MANAGER FIRST WEALTH

Position: Relationship Manager First Wealth
Business Unit: Retail Banking
Function: Branch Banking

About the Role

The Relationship Manager First Wealth will be responsible for managing and developing a portfolio of premium/high-value customers, delivering superior customer service, deepening existing relationships, and driving business growth through acquisition and cross-selling.

The role involves building CASA balances, increasing product penetration, acquiring new customers, identifying financial needs, and offering suitable banking and wealth-related solutions. The RM will act as a trusted financial partner while ensuring a high level of customer experience and regulatory compliance.

Key Responsibilities

• Manage and strengthen relationships with assigned premium/high-value customers.

• Drive CASA value build-up and acquire new customers as per business targets.

• Identify customer needs and provide suitable banking and financial solutions.

• Increase Product Holding Per Customer (PPC) through effective cross-selling.

• Cross-sell products such as:

  • Savings & Current Accounts

  • Fixed Deposits

  • Credit Cards

  • Insurance

  • Investments & SIPs

  • Retail & SME Loans

  • Digital Banking Solutions

  • Other relevant banking products

• Conduct regular customer engagement and portfolio reviews.

• Onboard customers on Mobile Banking, Net Banking and other digital channels.

• Generate leads and coordinate with relevant teams for Business Loans, Working Capital, POS, CMS and Trade transactions.

• Resolve customer queries and complaints promptly to ensure excellent customer experience and NPS.

• Achieve assigned revenue/income targets, including NII and NFI.

• Ensure proper customer profiling and offer products based on customer requirements and suitability.

• Identify opportunities to upgrade eligible customers to relevant banking programs.

• Maintain strong compliance with internal policies, RBI guidelines and regulatory requirements.

• Ensure accurate documentation and smooth execution of customer transactions.

• Support branch operations and maintain high standards of service quality.

Candidate Profile

Education: Graduate in any discipline.

Experience: Relevant experience in banking, branch banking, relationship management, wealth management, sales or financial services. Experience requirements may vary depending on the specific hiring location and grade.

Key Skills

• Strong relationship management and customer engagement skills

• Sales and business development orientation

• Good knowledge of banking and financial products

• Strong communication and interpersonal skills

• Customer-centric approach

• Cross-selling and portfolio management skills

• Target-oriented mindset

• Good analytical and problem-solving abilities

• Knowledge of digital banking platforms

• Strong compliance and attention to detail

Key Performance Areas (KPIs)

• CASA acquisition and value build-up

• New customer acquisition

• Revenue / NII / NFI achievement

• Product penetration and cross-sell

• Portfolio growth and customer retention

• Customer engagement and NPS

• Digital adoption

• Compliance and service quality

Ideal Candidate: A target-oriented banking professional who can build long-term relationships with premium customers, identify financial needs, and deliver a complete banking experience while contributing to branch revenue and portfolio growth.