Relationship Manager Platinum

About the Role

The position of Relationship Manager Platinum at AU Small Finance Bank involves managing and expanding the banking and investment portfolios of High Net Worth Individuals (HNI), focusing on increasing CASA balances and driving growth in liabilities and investment offerings. The role is based across several locations in Kolkata metropolitan areas including Gariahat, Howrah, Kankurgachi, Rash Behari Avenue, Sarat Bose Road, and Shyam Bazar.

Key Responsibilities

• Handle and enhance banking relationships with HNI clients within the assigned portfolio.
• Boost current and savings account (CASA) balances by deepening existing connections and acquiring new-to-bank customers.
• Promote growth in deposit and investment product lines under the HNI segment.
• Identify and capitalize on business opportunities through detailed profiling utilizing CRM tools.
• Expand client engagement for liabilities and retail asset products.
• Educate clients on new products and enhancements to broaden banking relationships.
• Maintain portfolio profitability by cross-selling and upselling the bank’s products.
• Manage customer migration across segments to optimize profitability and service delivery.

Additional Duties

• Deliver exceptional service experiences that exceed client expectations.
• Proactively detect potential problem accounts and apply risk mitigation strategies.
• Ensure smooth customer migration aligned with bank policies.
• Encourage usage of digital and alternative banking channels to improve client convenience and reduce costs.
• Log all sales and client interaction activities accurately in CRM.
• Comply strictly with regulatory and internal policies, especially related to customer onboarding and account management.
• Build lasting client relationships grounded in trust, transparency, and proactive engagement.

Work Environment and Travel

The role primarily involves extensive fieldwork (90%) with office presence accounting for approximately 10%. High travel requirements necessitate possession of a valid two-wheeler driving license and ownership of a personal two-wheeler and smartphone.

Qualification and Experience

Preferred candidates should have 0 to 3 years in BFSI industry roles such as Sales Executive, Sales Officer, Customer Service Executive/Officer, or Relationship Executive/Officer.

Competencies and Skills

• Strong ownership and accountability for achieving results.
• A customer-centric approach with a focus on service excellence.
• Proficiency in digital business applications and software.
• Attention to detail, hard-working nature, eagerness to learn and advance professionally.
• Positive attitude, high ethical standards, and integrity.
• Bias for action and sense of urgency.
• Excellent professional communication skills including regional language fluency and soft-spoken demeanor.
• Relationship management with client-centric approach and respect.
• Sales forecasting and reporting capabilities.

Knowledge and Abilities

• Aptitude for generating leads and familiarity with the local market geography.
• Competence in detailed data collection and recording.
• Physical fitness and mental agility to manage extensive field activity and demanding clients.
• Positive track record with prior employment references and clear civil background.

Compliance and Other Details

• Adherence to the Bank’s Code of Conduct and strict confidentiality of bank and client information.
• Responsible handling of bank assets such as ID cards, SIMs, marketing materials, digital devices, and receipt books.
• Compliance with KYC and AML guidelines throughout customer onboarding and account opening processes.
• Flexible work hours in accordance with business needs.
• Permanent contract with no specific remuneration or pay rate provided.