Branch Relationship Manager

1. Sales & Portfolio Growth

• Target Achievement: Drives the delivery of daily, weekly, and monthly credit card acquisition and activation targets for the team.
• Relationship Management: Develops and manages strategic relationships with corporate clients, merchants, and retail banking branches to generate high-quality leads.
• Market Expansion: Identifies new avenues for open market and B2B sales (e.g., malls, airports, corporate parks, and metro stations).
• Cross-Selling: Identifies opportunities to cross-sell other financial products (e.g., loans, wealth management) to existing cardholders.

2. Team Leadership & Training

• Hiring & Onboarding: Recruits and onboards skilled Business Relationship Managers or Sales Executives in accordance with banking norms.
• Training & Development: Conducts regular training sessions regarding product features, competitive advantages, and the latest sales pitches.
• Performance Monitoring: Tracks individual team member metrics, conducts regular performance appraisals, and provides actionable coaching.

3. Compliance & Risk Management

• Adherence to Norms: Ensures that all credit card applications and client interactions strictly follow Reserve Bank of India (RBI) guidelines, KYC (Know Your Customer) norms, and internal bank policies.
• Risk Control: Assesses the creditworthiness of clients during the initial screening process to minimize the risk of default and fraud.
• Data Privacy: Ensures sensitive financial information and corporate data are handled securely and in compliance with data privacy laws.

4. Operations & Customer Service

• Application Tracking: Takes complete ownership of the application lifecycle, from initial lead generation to the final delivery of the credit card.
• Escalation Management: Acts as a point of contact for resolving elevated customer or merchant complaints and rectifying delayed applications cases).
• Reporting: Prepares and presents accurate business funnel reports and MIS (Management Information Systems) to senior management.