Job Purpose
• Responsible for managing and driving a team of Virtual Relationship Managers (VRM) handling
portfolio of eligible Imperia & Preferred customers in order to achieve the targets set and that all
guidelines and regulatory requirements are followed.
• Ensuring that customers get world-class services and their needs are understood and met through
financial products that the Bank has to offer.
• Consistently meet portfolio objectives defined Viz. sales, income, group product holding etc.
• Ensure adherence to Operations process aimed at zero defect transaction processing & meeting the
Audit & Compliance guidelines.
• Responsible for managing, training and motivating staff.
• All of the above parameters consistently met by the team of VRMs.
• Income generation through a right blend of enhancement of CASA balance and through cross sell of appropriate products. So that the VRM becomes the top of the mind recall amongst the customers in the catchment for all their financial needs and services, thereby ensuring that the VRMs also achieves the key performance parameters set
Job Responsibilities(JR) : 6 – 8 Areas
Business Achievement and Development for VRM & Team
• Ensure proper scoping is done and target / niche customers identified with ACTIVE collaboration from concerned Product/Sales Support Teams
• Ensure that the targets on liability accounts, through the channel (Branch and direct sales), are met under all parameters specified.
o Meet value target for Liability Balances of the customers
o Ensure quality of sourcing is maintained and depletion rates are controlled.
o Ensure that Salary credits reach or exceed the expect Salary Credit targets
• Ensure that all managed portfolios are effectively managed through VRMs and that set targets on each of the portfolios is reached.
• Also, Team Manager has to ensure seamless servicing of customers.
• VRMs are made aware of the Scorecard targets & Portfolio Benchmark.
• Ensure that the High Net worth individuals are persuaded to avail the private banking products and services (advisory, etc.)
• Ensure that there is cross sell to the customer on asset products as offered by the Bank.
• Ensure that the customers get credit cards and start using the same for all their transactions- credit card activation push.
• Income to be generated at a customer level.
• Ensure that cross sell targets on Third Party Products is met for the Unit
• Ensure Staff are trained on product knowledge and requisite certifications
• Engaging with bottom 20% performers and identifying ares of improvement and demonstrating the How.
• Review Daily Sales Report of the staff and provide guidance on ways to improve on the same
• Managing and monitoring performance of all the sales resources
o Productivity of Liability and Non Liability sales staff
• Attrition control of customers
o Includes persuading the customer to continue and if required renew FD’s
§ Monitor large amount movements / account closure from the deposit accounts and ensure that customer does not attrite
o Ensure that the marketing analytics list on possible attrite, is called and retained
• Ensure that there is no revenue leakage
Customer Service / Customer engagement
• Plan monthly/ weekly/ daily contacts for the team of VRMs basis the contact policy & track implementation
of the interaction plan.
• Effective planning & implementation of event based trigger, birthday calls, campaign calls and other defined
objectives for customer contacts.
• Ensure that VRMs offers highest quality of service to the customers and meets expected Service Quality standard by educating the customers to use the Digital Banking mediums for their banking transactions /
needs. This is measured iva call evaluations and Sup
Reviews
• To review contact attempts versus successful contacts and analyze reasons for non-contactable customers.
• Ensure VRMs make regular contact with customers for service as well as business updates.
• Adequate logging of complaints, Reviewing & Resolving all complaints received (VRM, self, branch, other units) within the stipulated TAT
o Monitor all complaints received and ensure that they are closed within TAT
o Improve customer communication on closures
o Check with customers if the process of complaint has been managed well
o Ensure no escalations happen
o Preventive complaint management
o Asking for feedback from customers, who are not complaining
o Discussing with staff the importance of getting feedback from customers on a regular basis
• Periodic review of customer base i.e. Contactibility,
Eligibility, Product penetration & profitability. Take appropriate action to activate every customer / improve
the product penetration & profitability of the customer to become a Primary Banker for the customer.
• Carry out VoC to assess strengths and to ascertain possible improvement areas of the VRMs basis customer feedback. Take appropriate action- reward the VRM for appreciations/ corrective actions as required.
• Monitoring implementation of Sales Process.
Business Generation / Sales Tracking
• Track business generation and income for each VRM in the team on a daily basis, and take due steps.
• Review leads generated by each VRM and ensure real time lead status availability.
• Ensure VRMs actively track their leads, keep customer regularly updated on the lead status & complete the lead closure within a reasonable timeline, basis product.
• Tracking and highlighting possible customer issues on account of improper lead management.
Supervisory Reviews frequency to assess effectiveness of customer interactions by the VRM.
• Check profiling done by the VRM to ascertain effectiveness.
• Basis interaction logs captured by the VRM & discussions with the VRM, provide directional inputs on customer interactions & business generation.
• Demonstrate “how”.
• 220 Sup Reviews per month
Operations
• Conduct internal checks on a regular basis & share a feedback with VRMs on time to time.
o Lead file maintained by VRMs
o Requests captured by VRMs
o CRM Interaction
• Ensure seamless handling of operations areas such as customer requests, transactions, reversals etc.
• Handling queries of VRMs on floor and provide resolution.
• Ensure timely responses to customers through call out/ e-mail as applicable.
• Handle 1st level escalations and ensure satisfactory resolution to the grievances.
• Ensure judicious utilization of financial and non- financial authority.
• Carry out periodic checks to ensure team adheres to Audit & Compliance guidelines.
Audit and Service Quality
• Ensure all laid down system and process are followed as stipulated by Audit and Senior Management
• Monthly / Periodic Verification of Auditable items.
• Review of CRM Interactions & Lead Quality
MIS - Reporting and Analysis :
• Ensure timely and accurate updates of all portfolio
performance parameters.
• Maintain track of VRM performance w.r.t leads, conversions, income, achievement of portfolio parameters etc.
Staff Management
• Ensure that all VRMs are adequately trained on the
Products of the bank and sales process
• Ensure that all VRMs are trained on the process to be followed (including amendment with new circulars)
• Be aware and make VRMs aware of various policies of the bank with regard to customer service and compliance
• Monitor productivity and give guidance on improving the same in conjunction with the Line Manager / Unit Head.
• Ensure that all VRMs are sent for class room training on a regular basis
• Ensure that nominated VRMs attend training sessions conducted by HR, without fail.
Subodh Popalwar
Software Engineer, Memorres
About HDFC Bank
Similar jobs
Role - Manager - Social Media & Copy
Location - Mumbai
Responsibilities:
- Ability to transform briefs into compelling copy in sync with brand philosophy
- Should be adept at ideation, strategy and copywriting for social media channels primarily Instagram, Twitter and LinkedIn
- Understanding of YouTube channels and ability to create content for the same (along with team members). Good to have: script writing
- Aware of social media analytics that can be optimized to create a data driven social media strategy
- Work closely with internal and external stakeholders to ensure that the social media and YouTube channels content calendars are followed
- Guide team members for timely execution and reporting
- Should be creative and have a strong sense of design aesthetics
- In sync with social media trends and ability to transform them into actionable for the brand
- Impeccable English creative writing skills
- Enthusiastic and passionate about growing brands on digital.
Requirements:
- 3-4 years experience in social media
- Able to work efficiently in a fast-paced, startup environment
- Impeccable English writing skills, degree or postgraduate degree in Mass Communication, Digital Marketing or Copy Writing preferred
- Understanding of how to maintain consistent tone of voice across all brand channels
- Comfortable with both short and long format content (more of short format)
- Must have: Experience in copy writing for social media channels.
- Good to have: Script writing skills
- Previous experience in advertising agencies and D2C companies preferred
- History of successfully growing Instagram channel for a brand
.NET
AngularJS (1.x)
Angular (2+)
JavascriptFull Stack Developer
- The candidate should hold either MCA or BTech degree in Computer Science
- The candidate should have 4 to 10 years of IT Development hands on experience in integration solution using WCF/SOA technologies
- Build integration solutions to automate business processes related to Oil & Gas Refinery business
- Should have excellent knowledge in C#, WCF, SOAP/REST API,, OOPS Concepts, Object Oriented design principles and Design Patterns
- Should have excellent knowledge in SQL Database Design, RDBMS concepts and Master Data Services
- Should have good knowledge in Authentication, Security, XSD and System Integration concepts
- Should be able to understand the Business Requirement and convert it into Technical design document
- Communicate with internal and external customers, supervisors and management using clear, user-friendly terminology
- The candidate should have good Arithmetic reasoning, Logical and Analytical thinking
- Should be Flexible to learn new things, Self-motivated and take up any development role assigned, irrespective of the technology
Must have skills - sql, .net , c# , wcf
1. ACSM or CSP(SM) or PSM(III) certified (Preferred CSP(SM))
2. SAFe(SA) or SAFe(SM)
Qualifications - Added Advantage
3. PMI- ACP
4. PMP
5. ICP-ACC
Experience-
6+ solid experience on Scrum Mastery facilitation/leading, medium/Complex projects involved multiple technologies (Web, Mobile, Backend, API etc)
Expected Skills
- Sound knowledge in Agile Methodology ( Lean,Agile,Scrum,SAFe) Proven servant leadership
- Conflict resolution capability
- Building high performance Teams
- Identify impediments and eliminate in a timely fashion.
- Experienced working with Mobile App/Web/ Backend development teams.
- Deliver projects in challenging circumstances
Laravel
CodeIgniter
PHP PHP Developer SKILLS & Responsibilities:
Extensive experience in PHP and Laravel.
Database Management tools such as MySQL.
The candidate has worked on the web application or REST API for apps, Laravel, Node Js.
Has experience or can work in a team as well as a single person.
Experience building or maintaining a CMS.
Technologies Frameworks:
PHP, Laravel, MySQL, CI.
JavaJavascript
Ruby
C#ThoughtWorks is a global software consultancy with an aim to create a positive impact on the world through technology. Our community of technologists thinks disruptively to deliver pragmatic solutions for our clients' most complex challenges. We are curious minds who come together as collaborative and inclusive teams to push boundaries, free to be ourselves and make our mark in tech.
Our developers have been contributing code to major organizations and open source projects for over 25 years. They’ve also been writing books, speaking at conferences and helping push software development forward, changing companies and even industries along the way. We passionately believe that software quality is driven by open communication, review and collaboration. That’s why we’re such vehement supporters of open source and have made significant contributions to open source tools for testing, continuous delivery (GoCD), continuous integration (CruiseControl), machine learning and healthcare.
As consultants, we https://www.thoughtworks.com/careers/hub/consultant-life">work with our clients to ensure we’re evolving their technology and empowering adaptive mindsets to meet their business goals. You could influence the digital strategy of a retail giant, build a bold new mobile application for a bank or redesign platforms using event sourcing and intelligent data pipelines. You will use the latest Lean and Agile thinking, create pragmatic solutions to solve mission-critical problems and challenge yourself every day.
You’ll spend time on the following:
- You will champion best practices like writing clean and reusable code using practices like TDD, SOLID principles, OO design, and pair programming
- You will partner with other technologists from cross-functional teams advocating devops culture
- You will work in collaborative, product-focused teams to build innovative customer experiences
- Take ownership and accountability beyond individual deliverables, always pushing the envelope in order to deliver awesome results for our clients
- Learn, digest and subsequently apply the latest technology thinking from ourhttps://www.thoughtworks.com/radar"> tech radar to solve client problems
Here’s what we’re looking for:
- You have 2+ years* of experience using two or more development languages (Java, JavaScript, Ruby, C#, etc.) with experience in Object-Oriented programming
- You can write clean, high-quality code in a variety of languages and are also able to spot (and improve) bad code
- You’re resilient in ambiguous situations and can approach challenges from multiple perspectives
- You have experience with Agile, Lean and/or Continuous Delivery approaches such as Continuous Integration, TDD, Infrastructure as Code, etc.
- Bonus points if you have knowledge of cloud technology such as AWS, Docker or Kubernetes
- You’re willing and able to commit to travel to client sites in order to solve their business problems
At ThoughtWorks, we’re committed to fostering an inclusive community for all technologists. Help us achieve a more balanced workplace by anonymously answering the following demographic questions.
Java
Spring Boot
Role: Senior Software Engineer – Backend Location: Bangalore / Gurgaon / Pune
About the Role
The successful backend engineer will work closely and collaboratively with cross functional teams during all phases of the software development lifecycle.
The incumbent should be competent to provide quick solutions to problems and taking a product or a product’s component through the entire life cycle, optimize the space / time complexity and improve on usability and reliability.
What you’ll be doing:
- Bachelor's degree in Computer Science or related field from top notch colleges
- 4 + years of software development engineering.
- Understanding of fundamental design principles (including MVC).
- Good hands on in AWS scalable environment.
- Experience with different RDBMS and No SQL databases like MySQL, mongo, etc.
- Experience in designing scalable micro-services required.
- Strong knowledge of CS fundamentals including data structures, algorithm design and complexity analysis.
- Proficiency in one language that emphasizes class abstractions (for e.g. Java) and have coded in it for at least 4 years.
- Excellent communication, analytical and problem solving skills.
- Strong organizational skills and the ability to prioritize and work with clients with great efficiency.
- Excellent written and oral communication and presentation skills and the ability to express thoughts logically and succinctly.
- Open minded, Team builder, Good communicator and ability to lead and inspire teams.
- Demonstrated ability to achieve stretch goals in a highly innovative and fast paced environment.
- Experience in dealing with ambiguous/undefined problems; ability to think abstractly
What are we looking for?
- 4 to 10 years of hands on design / development experience.
- Tech / M.Tech Computer Science or equivalent field from a premier institutes.
- Proficient in Java OR C/C++, data structures, algorithms and OO design / design patterns.
- Strong understanding of Computer Science fundamentals.
- Technical depth in OS, computer architecture and OS internals.
- Ability to write scalable and maintainable code.
- Self-starter and goal-oriented with strong analytical and problem-solving skills.
- Must be able to work cooperatively within a strong diverse technical community to expedite development tasks.
- Experience in Machine Learning is a plus
PS: Code review and team leading expereince is a pluys for Tech Lead role
What we offer
- Competitive salary and excellent benefits, in a diverse working environment with inspiring and hardworking colleagues
- A positive, get-things-done workplace.
- An inclusive environment that ensures we listen to a diverse range of voices when making decisions.
- Ability to learn cutting edge concepts and innovation in an agile start-up environment with a global scale.
- A flexible working environment where you can drive your outcomes.
About us
At PayU, we are a global fintech investor and our vision is to build a world without financial borders where everyone can prosper. We give people in high growth markets the financial services and products they need to thrive. Our expertise in 18+ high-growth markets enables us to extend the reach of financial services. This drives everything we do, from investing in technology entrepreneurs to offering credit to underserved individuals, to helping merchants buy, sell, and operate online. Being part of Prosus, one of the largest technology investors in the world, gives us the presence and expertise to make a real impact. Find out more at www.payu.com
Our Commitment to Building A Diverse and Inclusive Workforce
As a global and multi-cultural organization with varied ethnicities thriving across locations, we realize that our responsibility towards fulfilling the D&I commitment is huge. Therefore, we continuously strive to create a diverse, inclusive, and safe environment, for all our people, communities, and customers. Our leaders are committed to create an inclusive work culture which enables transparency, flexibility, and unbiased attention to every PayUneer so they can succeed, irrespective of gender, color, or personal faith. An environment where every person feels they belong, that they are listened to, and where they are empowered to speak up. At PayU we have zero tolerance towards any form of prejudice whether a specific race, ethnicity, or of persons with disabilities, or the LGBTQ communities.
Pioneer Foods Pvt Ltd is a Food manufacturing and exporting company that specialises in traditional snacks without compromising on the health factor. Their range of cereal based nutritional ready-to-eat snack packs are "Enriched with goodness". Their products are available across India, Middle East and North America, in stores and through ecommerce websites.
The company believes in focusing on providing tasty, roasted, contemporary flavoured and highly nutritious ingredients like Quinoa , Chia , Flaxseeds , Sunflower seeds, Oats, Fenugreek etc. with an Indian twist to the health-conscious current and future generations.
- Ensuring proper documentation, updates, implementation and renewals of all statutory and regulatory compliances including but not limited to Legal Metrology/ FSSAI / HACCP / ISO / BRCGS / USFDA etc.
- Updating self and team with knowledge / Experience with EU, UK, USA, Australia, Canada regulations
- Keeping up to date with changes in regulatory legislation and guidelines
- Keeping a check on label content and leaflets as per regulatory norms (Label proofing & Artwork)
What you need to have:
- Must know HACCP, FSSAI , ISO, BRCGS,USFDA standards, FSMA Act, rules & regulations, statutory compliances etc.
- Must have in-depth knowledge of Indian / global labelling rules and regulations
- Minimum 3-5 years of experience in Quality Regulatory in the F&B industry (preferably ready to eat snack segment)
- Graduation in food technology Post-graduation not necessary.
- Good knowledge of Microsoft Office
- Proficient in oral and written English and Hindi
Java
- Manage sales operations in assigned district to achieve revenue goals.
- Supervise sales team members; the BSMs, on daily basis and provide guidance whenever needed.
- Identify skill gaps and conduct trainings to sales team.
- Work with team to implement new sales techniques to obtain profits.
- Assist in employee recruitment, promotion, retention and termination activities.
- Conduct employee performance evaluation and provide feedback for improvements.
- Contact potential customers and identify new business opportunities.
- Stay abreast with customer needs, market trends and competitors.
- Maintain clear and complete sales reports for management review.
- Build strong relationships with customers for business growth.
- Analyze sales performances and recommend improvements.
- Ensure that sales team follows company policies and procedures at all times.
- Develop promotional programs to increase sales and revenue.
- Plan and coordinate sales activities for assigned projects.
Follow CutshortSubodh Popalwar
Software Engineer, Memorres