Relationship Manager

Job Description Relationship Manager Current Account

Position

Relationship Manager – Current Account

Department

Branch Banking / Business Banking

Job Location

[Location]

Experience

0–5 years in Banking, Financial Services, Sales, Relationship Management, or a related field

Qualification

Graduate in any discipline. Postgraduate/MBA in Finance, Marketing, or Business Management will be an advantage.

Job Purpose

The Relationship Manager – Current Account will be responsible for acquiring new customers, managing and growing an assigned current-account portfolio, increasing CASA balances, and developing long-term customer relationships.

The role involves understanding customer/business requirements and providing appropriate banking solutions while achieving assigned business, acquisition, service, and cross-selling targets.

Key Responsibilities

• Acquire new Current Account customers through market visits, references, leads, and business networking.
• Build and maintain strong relationships with existing current-account customers.
• Drive CASA growth and improve balances within the assigned customer portfolio.
• Identify customer needs and cross-sell relevant banking products and services.
• Increase product penetration and wallet share across the mapped customer base.
• Promote products such as business loans, working capital facilities, POS/payment solutions, cash management services, trade finance, insurance, investments, and other suitable banking products.
• Conduct regular customer meetings and business visits to understand financial and banking requirements.
• Profile customers and recommend suitable solutions based on their business requirements.
• Coordinate with internal teams for processing and closure of loans, trade transactions, CMS, POS, and other banking requirements.
• Ensure smooth account opening, KYC documentation, onboarding, and activation of new customers.
• Encourage customers to adopt digital banking channels such as mobile banking, internet banking, online payments, and other digital services.
• Handle customer queries and complaints and ensure timely resolution.
• Monitor account activity, balances, transaction patterns, and overall portfolio health.
• Achieve monthly/quarterly targets relating to customer acquisition, CASA, cross-sell, revenue, and portfolio growth.
• Maintain accurate customer records and ensure timely updating of CRM and banking systems.
• Ensure strict adherence to KYC, AML, regulatory, internal policy, and compliance requirements.
• Maintain high standards of customer service and work towards making the bank the customer's primary banking partner.
• Support branch-level business development and other assigned banking initiatives.

Key Performance Indicators (KPIs)

• New Current Account acquisition
• CASA balance growth
• Customer portfolio growth
• Average balance per account
• Product penetration / cross-sell
• Fee and other revenue generation
• Customer retention and activation
• Digital banking adoption
• Customer service / complaint resolution
• Compliance and audit performance

Required Skills

• Strong sales and business-development orientation
• Excellent communication and interpersonal skills
• Relationship-building and customer-handling skills
• Good knowledge of banking products and services
• Ability to understand business/customer financial requirements
• Strong negotiation and convincing skills
• Market mapping and lead-generation ability
• Good analytical and problem-solving skills
• Ability to work with targets and deadlines
• Basic knowledge of KYC, AML, and banking compliance
• Proficiency in MS Office and CRM/banking system

Preferred Candidate Profile

• Experience in Current Account, CASA, Branch Banking, SME Banking, Business Banking, or Relationship Management will be preferred.
• Candidates with strong sales, field-sales, or client-acquisition experience may also be considered.
• Should be comfortable with customer meetings and local market visits.
• Should have a strong network-building and business-acquisition mindset.