Senior Relationship Manager-LAS Retail

Business Development and Profitability: To achieve the targeted loan book & NIM by selling CMG products in the assigned geography to HNI & Retail segments. The role requires sourcing through multiple channels including direct acquisition, national alliances, DSAs and ABC ecosystem Client Lifecycle Management: Ensure loan account regularization on ongoing basis in terms of security value, interest payment as well repayment of loan and keeping the NPA under control. Understanding of client needs and offering the range of other ABC products. Deliver Strong Sales & Budgeted NIM Growth Supporting Actions: Achieve budgeted business volumes.Focus on increasing Net Interest Margin (NIM) for self.Focus on fee-generating services to meet projected fee income. Undertake New Client Acquisition, Retention & Growth Supporting Actions: Map target HNI (High Net Worth Individuals) clients in the geography.Build and nurture relationships to generate a strong pipeline & disbursements.Develop Direct Selling Agents (DSAs) and direct sales opportunities for rapid customer connection. Maintain Service Standards and Client Satisfaction Metrics Supporting Actions: Stay informed of client requirements and monitor relationships from origination to closure.Proactively resolve client issues during the sales cycle.Stay abreast of latest industry trends and competitors to identify new ways to engage customers. Ensure Risk Management, Policy Adherence & Documentation Supporting Actions: Be aware of all critical policies, processes, and documentation for all products.Ensure compliance with policies and procedures.Monitor client profiles and margin shortfalls, ensuring zero NPAs by adhering to timelines. Maintain High Standards of Portfolio Management (Margin Regularization, Market Intelligence & NPA Management) Supporting Actions: Regularly monitor margin shortfalls and proactively regularize them based on market volatility.Stay updated on the latest developments in the local market and report customer defaults, trends, etc.Maintain a good quality lending book and manage stress/overdues through active client engagement. Formulate MIS & Present Them to Management Supporting Actions: Provide periodic reports to the Head Office (HO) on lead closure ratios, sales volumes, profits, and status of new product launches. Cross-Sell ABC Products and Services Supporting Actions: Cross-sell other lending and wealth management services of ABC to the same target audience.Cross-sell other products and services like insurance, financing, and securities to a wider audience.Foster relationships with cross-functional teams to drive the One EBW culture. Contribute to Own Development and Skill Enhancement Supporting Actions: Actively pursue self-development through internal and external training programs.Seek relevant certifications that enhance skills in financial sales and .