Job Description

Job Purpose:

The role entails building deep relationships with Government clients which includes Departments, PSUs, Autonomous Bodies etc. in order to maximize profitability and meet targets while minimizing risk and ensuring strict adherence to guidelines. The role bearer will be the incharge of the mapped City(s) to drive Government Business. The role bearer has a responsibility to increase CASA and TD Book in the mapped State(s) to achieve the GBG Budget and larger organizational objectives of the bank.

Primary Responsibilities:

- Ensure seamless customer on boarding by ensuring best in-class customer servicing standards and processes and develop deep relationships to become the client's banking partner of choice

- Spearhead business generation within stringent and dynamic regulations and bank's risk appetite to expand the volume of trade of Government Banking Group

- Tie up with financial institutions to share revenue sources and realise synergies

- This role further entails the responsibility of understanding client needs, business and sector characteristics

- Understand customer requirements and structure solutions to achieve customer satisfaction while remaining aligned with the bank's policies

- Responsible for accurate and timely KYC, ensuring compliance and risk categorization

- The role bearer is accountable for customer acquisition of high value, high ticket size accounts after due diligence

- Ideate to create diversified revenue sources for Government Banking Group and facilitate campaigns to increase customer penetration and acquire high quality clients

- Study financial reports of clients to identify early warning signs and flag potential pitfalls to prevent losses to the bank

- Monitor portfolio and flag early warning signals while maintaining a constant touchpoint with the clients

- Perform credit analysis as mandated by RBI

- Gather and leverage market intelligence to incorporate best practices

- Develop and maintain constructive relationships with key internal and external stakeholders to help achieve business critical goals

Secondary Responsibilities:

- Collaborate with internal stakeholders (Branch Banking, Product, Treasury, Risk, Compliance, Legal) to achieve the desired business objectives whilst ensuring maximum efficiency in internal processes

- Create and deploy strong mechanisms that can constantly measure and monitor the customer satisfaction and envision changes to existing processes to improve specifications and performance

- Ensure high quality customer service and review customer complaints in order to maintain customer satisfaction and increase the business