Relationship Manager

Job Title: RM– Loan Against Property

Department: Retail Asset

Role: Relationship Manager

Job Description:

- Acquisitions of business through DSA, CA, connectors, or Direct channel or other open market channel.

- Ensure superior customer service & TAT delivery to end consumer.

- Will be responsible for the cross sell of Bank’s Liability and Revenue products.

- Will be responsible for the Monthly assigned sales targets.

Required Profile:

- Should have 5+ years of experience in overall and minimum 3years in LAP product.

- Prior sales exposure in asset product are a must.

- Job entails understanding of basic financial terminology and application – Balance sheet, P&L

- Channel handling experience

- Job requires good communication and relationship skills.

Duties and Responsibilities

1. Build, lead, and motivate large teams, fostering a growth mindset and high performance
2. Develop and execute business strategies aligned with the company's vision to drive revenue, client acquisition, and market share expansion
3. Lead new account acquisition, product development, and management of the existing product suite
4. Build and maintain strong relationships with key clients, providing regular advice on market opportunities and trading strategies
5. Innovate and leverage technology for new product launches and cost optimization.
6. Ensure high levels of customer experience and satisfaction.
7. Analyze market trends, customer feedback, and competitor activities to identify new business opportunities and cross-selling avenues
8. Oversee day-to-day operations, ensuring efficiency and regulatory compliance across all channels
9. Present and implement plans for client base and revenue growth, operational efficiency, cost optimization, and digitization
10. Helping clients on their Investments and managing their overall financial portfolio and deepening the wallet from existing clients.
11. Prepare and present investment and portfolio reports to clients, and conduct meetings or presentations as needed
12. Achieve revenue and client activation targets through effective advisory and relationship management
13. Attain through knowledge about stock market terms and trading practices

Position: Corporate Sales Manager –

Mutual Fund Role Overview The role involves engaging with Corporate, HNI, UHNI and Retail clients to provide customized investment advisory solutions, manage key relationships, and drive business growth.

Depending on experience, the incumbent will be responsible for one or more activities related to client acquisition, surplus management, financial advisory, relationship development, and marketing of investment products.

This position requires strong client-facing abilities, strong understanding of financial products, and the capability to deliver high-quality, insights-led advisory services.

Key Responsibilities

● Understand client requirements and recommend investment products aligned with financial objectives and risk profile.

● Advise Corporate, HNI, and Retail clients on surplus fund management and portfolio suitability.

● Stay updated on financial markets, economic conditions, and investment product offerings.

● Meet corporate clients (primarily Treasury, Finance & Accounts teams), HNIs, and retail prospects to introduce SPA’s wealth and advisory services.

● Generate business leads, evaluate enquiries, and propose effective investment solutions.

● Identify and develop relationships with strategic partners to expand outreach and opportunities.

● Manage client relationships end-to-end, ensuring proactive engagement and personalized service.

● Retain and expand the existing client base through structured follow-ups and consistent value delivery.

● Ensure timely resolution of post-sales service issues and continuously explore cross sell/up-sell opportunities.

● Work closely with internal research, product, and marketing teams to develop relevant investment ideas and marketing collateral.

● Enhance SPA’s visibility and recall as a preferred wealth advisor among Asset Management Companies and Clients.

● Maintain professional conduct and ensure high service quality to meet and exceed client expectations.

Skills & Experience

● Minimum 8 years of experience in sourcing and managing HNI clients in wealth management or related financial services.

● Strong understanding of Equity and Debt Capital Markets, mutual funds, insurance, and structured investment solutions.

● Familiarity with global markets and international investment products will be an added advantage.

● High level of comfort with technology platforms, digital tools, CRM systems, and AI assisted advisory workflows.

● Excellent communication, presentation, negotiation, and relationship management skills with strong proficiency in English.

Qualifications & Certifications

● Degree in Finance with qualifications such as CA / CFA / MBA / PGDM and a strong academic background.

● Mandatory NISM / AMFI certifications.

● Certifications in FinTech, AI in Finance, Data Analytics, or Digital Wealth Management will be considered a strong bonus.

● Existing strong client relationships will be given due weight. Remuneration Compensation will be as par with the best in the industry, with an attractive performance linked variable structure.

Location: Janakpuri, New Delhi

Primary Responsibilities:

• Manage and grow the banking and investment relationships of High Net Worth (HNI) clients under the their portfolio.
• Increase CASA balances in the assigned portfolio through deepening existing relationships and acquiring new-to-bank (NTB) customers.
• Drive overall growth in liabilities and investment products within the HNI segment.
• Capture and maximize business opportunities through detailed client profiling in line with organizational processes (CRM).
• Develop and expand customer relationships for both liability and retail asset products.
• Inform clients about new products and enhancements to deepen and broaden banking relationships.
• Ensure portfolio profitability by cross-selling and up-selling across the Bank’s product suite.
• Manage segment-wise customer migration to enhance profitability and optimize service delivery.

Additional Responsibilities:

• Deliver a superior service experience that exceeds the expectations of clients.
• Proactively identify potential problem accounts and implement risk-mitigating strategies.
• Ensure customer migration across sub-segments is managed smoothly and aligned with Bank policies.
• Promote and drive usage of digital and alternate banking channels to improve client convenience and reduce operational costs.
• Accurately and consistently record all sales and client engagement activities in the CRM system.
• Ensure strict compliance with regulatory and internal policies, especially in customer onboarding and account management.
• Foster long-term client relationships through trust, transparency, and proactive engagement

Key Responsibilities:

👉🏼 Demonstrate effective selling skills and product understanding to uncover customer needs

to position an appropriate solution.

👉🏼 Update and create tailored client proposals and negotiate further to close the deals.

👉🏼 Understand, monitor, and evaluate industry trends and customer drivers.

👉🏼 Manage proposal response process, including detailed RFP requirements, content

creation, and inputs from various sources.

👉🏼 Nurturing accounts and contacts through various mediums of communication.

👉🏼 Develop and implement overarching sales and business development strategy, sales

processes, structure, and best practices across the company.

👉🏼 Support deal structure and pricing with business value analysis; negotiate prices for

proactive bids and proposals.

Job Overview

Apprication Pvt ltd are seeking a proactive, results-driven Business Relationship Manager for a night shift role at our US-based POS software company located in Goregaon East.

Key Responsibilities:

• Onboard referral partners and expand the business network while building strong relationships
• Act as the primary contact, ensuring smooth communication and partner support
• Drive revenue through partner leads, conversions, and engagement strategies
• Monitor performance, resolve issues, and identify opportunities through market insights.

Key Requirements.

• 3–5 years of experience in partnership, business development, or relationship management
• Strong English communication, negotiation, and interpersonal skills
• Proven ability to build relationships and achieve targets
• Self-driven, with the ability to manage multiple partners and analyze performance metrics

Preferred Skills.

• Experience managing referral/affiliate programs, reporting dashboards, and strong stakeholder management skills with Excellent communication.

Build and maintain strong, long-term relationships with existing and prospective clients.

Understand client requirements and recommend appropriate products or services.

Act as the primary point of contact for assigned clients.

Regularly follow up with clients to ensure satisfaction and identify new business opportunities.

Generate leads through referrals, networking, calling, and other business development activities.

Achieve assigned sales, revenue, and relationship-management targets.

Handle client queries, concerns, and escalations professionally and ensure timely resolution.

Coordinate with internal teams to ensure smooth service delivery.

Maintain accurate records of client interactions, follow-ups, and sales activities.

Identify opportunities for cross-selling and upselling.

Prepare and share periodic client and sales reports with management.

Stay updated on company offerings, industry trends, and competitor activities.

Build and maintain strong, long-term relationships with existing and prospective clients.

Understand client requirements and recommend appropriate products or services.

Act as the primary point of contact for assigned clients.

Regularly follow up with clients to ensure satisfaction and identify new business opportunities.

Generate leads through referrals, networking, calling, and other business development activities.

Achieve assigned sales, revenue, and relationship-management targets.

Handle client queries, concerns, and escalations professionally and ensure timely resolution.

Coordinate with internal teams to ensure smooth service delivery.

Maintain accurate records of client interactions, follow-ups, and sales activities.

Identify opportunities for cross-selling and upselling.

Prepare and share periodic client and sales reports with management.

Stay updated on company offerings, industry trends, and competitor activities.

Sales Strategy and Revenue Management

Develop and implement company-wide sales strategies to achieve revenue, gross profit, and profitability targets.

Set and monitor sales budgets, targets, and performance objectives across all branches and sales teams.

Identify sales gaps and implement corrective actions to improve performance and achieve company objectives.

Sales Team Leadership and Performance Management

Lead, coach, and develop Sales Managers, Branch Managers, and sales personnel to achieve individual and team targets.

Conduct regular sales performance reviews, provide direction, and identify training and development needs.

Promote a high-performance sales culture focused on accountability, customer service, teamwork, and results.

Business Development and Market Expansion

Identify and pursue new business opportunities, major accounts, projects, and strategic partnerships.

Develop strategies to expand the company’s market presence across Papua New Guinea.

Monitor market trends, competitor activities, customer requirements, and emerging opportunities to guide sales initiatives.

Key Account and Customer Relationship Management

Build and maintain strong relationships with key corporate, government, and institutional customers.

Support branches and sales teams in major quotations, tenders, negotiations, and strategic account development.

Ensure high standards of customer service and timely resolution of significant sales and customer concerns.

Sales Forecasting, Pipeline and Reporting

Maintain accurate company-wide sales forecasts and monitor the sales pipeline, quotations, tenders, and major opportunities.

Review branch and sales team performance against budget and provide regular sales reports and recommendations to senior management.

Ensure accurate and timely reporting of sales activities, results, margins, and business opportunities.

Product, Pricing and Margin Management

Work closely with management and relevant departments on product positioning, pricing, promotions, and sales campaigns.

Ensure sales teams understand the company’s ICT solutions, copiers, hardware, furniture, appliances, and other product offerings.

Monitor sales margins and ensure transactions support the company’s profitability objectives.

Cross-Functional Coordination and Compliance

Work closely with Branch, Operations, Service, Software, Stocks, Accounts, and Purchasing teams to support customer requirements and business objectives.

Ensure sales activities comply with company policies, procedures, approved pricing, credit requirements, and applicable standards.

Area Sales Manager (ASM)

Fintech | Digital Payments | Field Sales

Job Type: Full-Time

Work Mode: Field-Based / On-Site

Experience: 1–5 Years

Location: Andhra Pradesh | Telangana | Karnataka

Salary: ₹20,000 – ₹28,000 per month + Performance Incentives

ABOUT THE ROLE

• We are looking for a highly motivated and target-oriented Area Sales Manager (ASM) to drive business growth and sales performance across the assigned territory.

• The ASM will be responsible for managing field sales operations, leading the sales team, developing merchant and retailer networks, acquiring distributors and business partners, and achieving assigned sales targets.

• The ideal candidate should have hands-on experience in the Fintech / Digital Payments industry and a strong understanding of field sales, B2B/B2C business development and channel management.

KEY RESPONSIBILITIES

Sales & Business Development

● Develop and execute sales strategies to achieve monthly and quarterly business targets.

● Drive business growth across the assigned territory through effective field sales activities.

● Identify new markets, business opportunities and potential partners.

● Generate leads and convert prospects into active merchants, retailers and business partners.

● Drive both B2B and B2C sales as per business requirements.

Team Management

● Lead, manage and motivate Field Sales Executives within the assigned area.

● Set clear sales targets and monitor individual and team performance.

● Conduct regular field visits and support the team in customer/merchant acquisition.

● Identify performance gaps and provide appropriate guidance and training.

● Ensure consistent achievement of daily, weekly and monthly sales targets.

Merchant & Channel Management

● Build and expand a strong network of merchants, retailers, distributors, dealers and channel partners.

● Develop and maintain long-term relationships with existing business partners.

● Identify and onboard new distributors and retail partners.

● Monitor merchant activation, transaction activity and business performance.

● Support partners with product information and basic operational requirements.

Market Development

● Conduct regular market visits to understand local business opportunities.

● Identify potential markets and expand the company's presence within the territory.

● Monitor competitor activities, market trends and customer requirements.

● Provide timely market feedback and suggestions to management.

Reporting & Coordination

● Track daily sales activities, lead generation, onboarding and team performance.

● Prepare and submit regular sales and market reports.

● Coordinate with internal teams to resolve partner and customer-related issues.

● Ensure proper follow-up on leads and business opportunities.

FINTECH PRODUCT KNOWLEDGE

• Candidates should have good working knowledge of fintech and digital payment products such as:
• AEPS – Aadhaar Enabled Payment System
• DMT – Domestic Money Transfer
• mATM / MATM – Micro ATM
• Cashout / Cash Withdrawal
• Mobile & DTH Recharge
• BBPS – Bharat Bill Payment System
• Bill Payment & Digital Payment Services
• Corporate Cards Solutions

Experience with additional fintech products will be an advantage.

REQUIRED SKILLS & EXPERIENCE

● 3–5 years of experience in Fintech, Digital Payments, BFSI or a related sales environment.

● Strong experience in Field Sales and Area/Territory Sales Management.

● Proven experience in B2B and B2C sales.

● Experience in team handling and field sales team management.

● Experience in merchant, retailer, distributor or dealer acquisition.

● Strong understanding of channel sales and business development.

● Good lead generation, conversion and relationship management skills.

● Strong communication, negotiation and presentation skills.

● Target-oriented approach with strong execution capability.

● Good understanding of local market dynamics.

● Basic English communication along with the relevant regional/local language.

● Willingness to travel extensively within the assigned territory.

WHAT WE ARE LOOKING FOR

• The ideal candidate is someone who can build business from the ground up, manage a field sales team, develop strong channel relationships and consistently deliver sales targets.
• Candidates with existing experience in AEPS, DMT, Micro ATM, Cashout, Recharge, BBPS or other digital payment/fintech products are preferred.

COMPENSATION

₹20,000 – ₹30000 per month + Performance-Based Incentives

Compensation may vary based on relevant experience, skills and location.

LOCATION

Andhra Pradesh | Telangana | Karnataka

Work Nature: Area Sales Manager / Territory Management

Travel: Required within the assigned area