AJITH KUMAR

1. Client Relationship Management:

Build and maintain strong relationships with high-net-worth individuals (HNWIs), corporate clients, or SMEs.
Serve as the primary point of contact for clients, providing personalized service and addressing their financial needs.
Proactively manage client portfolios, ensuring client satisfaction, loyalty, and retention.

2. Portfolio and Account Management:

Handle a portfolio of clients, regularly reviewing their accounts and transactions.
Offer guidance on banking products and services, such as current accounts, loans, forex, and investments, to enhance client portfolios.

3. Sales and Cross-Selling:

Actively promote and cross-sell banking products like loans, insurance, investment services, and credit facilities. Develop and implement strategies to increase product penetration and revenue from each client relationship.

4. Business Development and Client Acquisition:

Identify and target new clients to expand the client base, often through referrals or networking.

5. Financial Advisory and Product Expertise:

Provide clients with insights on financial trends, investment options, and risk management. Stay updated on banking products and services, acting as an advisor to clients on suitable financial solutions.

6. Risk Management and Compliance:

Conduct thorough due diligence to ensure compliance with regulatory requirements, such as KYC norms. Ensure adherence to the bank’s compliance standards and protocols in all client interactions.

7. Coordination and Collaboration:

Work closely with other departments, such as credit, operations, and product teams, to ensure seamless service delivery.

8. Reporting and Performance Tracking:

Regularly monitor and report on key performance metrics, such as sales targets, client satisfaction, and portfolio growth

9.Team Leadership and Development:

Manage and mentor a team, setting performance targets and guiding them to meet sales, service, and compliance standards. Conduct regular training sessions to upskill the team, improving their product knowledge and customer service capabilities.

A BDM at Birla Sun Life Insurance (now known as Aditya Birla Sun Life Insurance) is primarily responsible for driving sales growth, acquiring new clients, and strengthening the distribution network. And also Recruit, train, and manage a team of sales agents or advisors, setting clear sales goals and performance expectations. Conduct regular training sessions to ensure the team is knowledgeable about products, selling techniques, and regulatory updates.
Provide ongoing coaching and support to the team, helping them improve their sales skills and achieve individual and team targets.

A Territory Executive at HDFC Bank handling mortgage loans plays a key role in driving loan sales, managing client relationships, and ensuring customer satisfaction in a specific geographical area.

The role of a Deputy Relationship Executive (DRE) at ICICI Bank typically focuses on supporting the relationship management team, particularly in retail and business banking, to enhance customer experience, achieve sales targets, and ensure smooth operational processes.