Job Description

HNI Relationship Manager - CASA & Portfolio Management

===========================================================

Department:

Liabilities / Branch Banking

Experience Required:

Minimum 1 year (Banking preferred)

Location:

As per branch requirement

CTC:

As per industry standards

Role Summary

----------------


Responsible for acquiring and managing High Net-Worth Individuals (HNI) customers, sourcing CASA accounts, deepening relationships, and managing the client portfolio to ensure revenue growth and service excellence.

Key Roles & Responsibilities

---------------------------------

1. HNI Client Acquisition & Relationship Management

Acquire new HNI customers through cold calls, referrals, and branch walk-ins. Build and maintain strong relationships with premium clients. Conduct regular client meetings to understand financial needs and provide suitable banking solutions. Ensure high customer satisfaction and retention.

2. CASA Acquisition & Deepening

Source high-value

Current Accounts (CA)

and

Savings Accounts (SA)

from HNI and SME clients. Drive CASA growth through quality sourcing and cross-selling. Ensure account activation, funding, and balance build-up.

3. Portfolio Management

Manage a portfolio of HNI customers with focus on balance growth, cross-sell and service. Analyze customer transaction patterns and identify opportunities for revenue enhancement. Monitor portfolio health, ensure compliance with KYC/AML norms. Offer suitable products: FD, RD, Debit cards, digital banking, investments (if mapped).

4. Cross-Selling & Revenue Generation

Cross-sell bank products like insurance, personal loans, home loans, credit cards, and wealth products. Achieve monthly targets for CASA, revenue, and cross-sell. Increase product penetration for each customer.

5. Service & Compliance

Deliver excellent customer service and quick resolution of customer queries. Ensure all transactions follow bank policies, audit guidelines, and regulatory norms. Complete periodic reviews, documentation, and compliance checks.

6. Branch Coordination

Coordinate with operations, service, and product teams for smooth onboarding and servicing. Participate in branch activities, sales events, and local marketing campaigns.

Required Skills & Competencies

-----------------------------------


Minimum

1 year experience

in banking sales / CASA / relationship management. Strong communication & presentation skills. Ability to handle HNI clients professionally. Good understanding of banking products (CASA, FD, digital banking, loans). Target-driven, customer-focused, and proactive.

Educational Qualification

-----------------------------


* Graduate or Post Graduate in any discipline (MBA preferred)