Associate, Treasures Relationship Manager, Consumer Banking Group

Overview

Associate, Treasures Relationship Manager in DBS Consumer Banking Group, responsible for acquiring, growing and retaining Treasures clients with AUM of INR 20 Million or more in the branch location area.

What you'll do

• Acquire and upgrade quality Treasures clients in the branch location areas.
• Engage with existing customers to deepen wallet share through retention and growth of AUM.
• Achieve monthly and annual volume and revenue objectives, as agreed.
• Ensure activation of e-Channels (I-Banking / M-Banking / Online MF / Debit Card) and Savings Book growth.
• Ensure proper implementation and execution of product strategies through effective relationship management.
• Develop client trust and loyalty for entrenched relationship with DBS through lifestyle and beyond banking propositions.
• Ensure optimum product mix and new-to-product clients aimed at customer level profitability and enhancing client coverage.
• Drive and deliver exemplary customer service in the local market and uphold DBS service standards.
• Ensure internal and regulatory compliance through strict adherence to DBS sales process, timely risk reviews and due diligence while on-boarding.
• Ensure exemplary service delivery of clients by building appropriate workflows and processes, including doorstep banking.
• Establish, manage and grow the AUM of the Treasures Client segment by acquiring and nurturing clients with AUM of INR 10 M or more.
• Ensure timely portfolio review by jointly engaging with Wealth / Investment / Insurance specialists with clients.
• Ensure complete knowledge of all products and services through continuous skill and knowledge improvement.
• Resolve customer queries and complaints within the agreed TAT as per the DBS customer service policy.
• Provide feedback on market, competition and products, and suggest innovations and ideas for continuous product and service improvement.
• Keep attuned to current economic and financial markets to engage effectively with the elite Treasures segment.
• Coordinate and work closely with CBG Relationship Manager peer groups, colleagues, Service teams and Product specialists at branches to meet team objectives.
• Work closely with the Line Manager and City / Cluster Head to achieve common team and Branch objectives.
• Ensure internal and regulatory compliance and address operational risks, e.g. Health & Safety standards, security of premises, AML / KYC and ongoing risk reviews.
• Exercise appropriate due diligence while on-boarding and engaging with clients.
• Establish DBS as a primary banker for clients and a prominent wealth management provider in India.
• Organize exclusive lifestyle, sports, music and other elite engagement events and activities for prospect generation, relationship entrenchment and brand reinforcement in the Private Wealth Management space.

What you'll need

• Sound understanding of financial planning and wealth management products in India.
• In-depth knowledge of the local market and competition.
• Graduate or Post Graduate with MBA in a relevant field.
• Effective probing and listening skills.
• Strong relationship management and influencing skills.
• Self-driven and ambitious.
• Good written and verbal communication skills.
• Results-oriented and able to deliver results under pressure.
• Understanding of competitive positioning.
• Strong service orientation and customer-centric behavior.
• Focused on developing the image and goodwill of the brand.
• Creative, inquisitive mind with problem-solving abilities.
• Ability to deliver results within tight timelines.
• Attention to detail and analytical ability.
• Understanding of HNI sales / wealth management product suite, platforms and operational procedures.
• Understanding of banking and para-banking guidelines issued by RBI and local laws and regulations that impact businesses.
• Understanding of KYC requirements and Anti-Money Laundering policies.
• Knowledge of financial markets and products to assist in meaningful engagement with clients.

Nice to have

• AMFI / IRDAI / FEDAI certification; BCSBI certification would be an added advantage.

Details

• Location: Kolkata-DBIL.
• Job: Relationship Management.
• Schedule: Regular.
• Employment status: Full time.
• Mandatory training: GCAP, BCAP, AML and KYC Guidelines, PIP, ORM, Information Security Policy, DBS India Culture & Behaviors.