Job Title Relationship Manager - Retail Working Capital Business Unit Emerging Enterprises Group Reporting To Territory Head Job Function and Role Type Sales, Individual Contributor Version No Job Purpose To drive initiatives aligned with business objectives to achieve leadership in the banking sector. Key Responsibilities Branch Management Plan weekly branch visits and ensure monthly meetings at each branch; Scope RM/PB customers for leads or joint calls and utilize branch resources effectively; Review branch and resource performance, ensuring RM/PB activation; Document branch meetings and update CRM with lead follow-ups. Lead generation/logins Plan activities to ensure two calls and appointments daily; Communicate document requirements to customers and arrange pickups; Follow up on calls and verify document completeness. Cross Selling Act as a one-stop shop for Express OD clients, offering financial products like Insurance, CASA, and Credit Cards; Monitor and track leads for cross-selling opportunities. Renewals Work proactively on renewals for non-auto-renewed customers; Communicate document requirements and follow up twice weekly; Analyze financials, address issues, and process extensions for genuine delays. Churn into WC account Ensure all business churn is directed to HDFC Bank accounts post-disbursement; Address OBA waivers and inform customers about penalties for non-compliance. Call Memos Monitor Express OD accounts based on central triggers and ensure customer contact. Delinquency management Contact customers for interest servicing and send email communications; Conduct personal or joint visits with Credit Managers and ensure rigorous follow-ups. Creating excitement in branches/spot Organize sanctions, contests, and recognition programs to motivate branches. Education: Graduate. Certifications: None specified. Key Competencies Interpersonal skills, coordination with multiple teams, ability to work under pressure, customer focus, analytical skills. Major Stakeholders Branch Banking Team, Operations, Product Team, Credit.