Purpose of the Role
The Relationship Officer is responsible for managing and growing the portfolio of MSMEs and Personal Banking clients. The role involves fostering strong client relationships, increasing product penetration, and ensuring the achievement of set business goals and targets.

Summary of Key Duties and Responsibilities
• Client Portfolio Management: Develop and maintain a portfolio of MSMEs and Personal Banking clients, ensuring growth in deposits, loans, and other banking products.
• Client Acquisition & Retention: Identify new business opportunities, acquire new clients, and build strong, long-term relationships with existing clients.
• Revenue Generation: Drive business growth through effective cross-selling of products, achieving set revenue targets.
• Credit & Risk Management: Assess and manage credit risks within the assigned portfolio, following bank policies and procedures. Ensure minimal non-performing assets (NPA).
• Customer Service: Provide exceptional service to clients, respond promptly to inquiries, and resolve issues to maintain high levels of client satisfaction.
• Business Development: Work with the sales team to generate leads and prepare business development strategies. Report on sales performance, achievements, and corrective actions as needed.
• Compliance & Reporting: Ensure compliance with banking policies and regulations. Prepare weekly reports on portfolio performance and risk management.

Qualifications
• Bachelor’s degree in Business Administration, Marketing, Banking & Finance, or a related field.
• 3-5 years of experience in SMEs and Retail Banking or a similar role, with a proven track record in client management.

Knowledge and Skills
• Ability to assess client financial needs and recommend appropriate banking products.
• Strong communication skills, both verbal and written, for client interactions and presentations.
• Excellent rapport-building, complaint resolution, and customer service skills.
• Ability to maintain long-term client relationships and trust.
• Strong organizational and time-management skills to handle multiple client needs and priorities.
• High level of professionalism and integrity when dealing with client information and transactions.