ICICI Bank was incorporated in 1994 as a part of the ICICI group. In 1999, ICICI became the first Indian company and the first bank or financial institution from non-Japan Asia to be listed on the New York Stock Exchange.

Product Manager

ICICI Bank is a leading private sector bank in India, offering a wide range of banking products and services to corporate, Small and Medium Enterprises (SME), and individual customers across the country. The Bank has a vast network of 6,587 branches and 17,102 ATMs and cash recycling machines across India, providing multi-channel touchpoints for customer convenience.

Role Description

This is a full-time on-site role for a Product Manager at ICICI Bank located in Mumbai. The Product Manager will be responsible for overseeing the development and management of banking products and services, analyzing market trends, identifying customer needs, and collaborating with cross-functional teams to drive product innovation and enhancements.

Qualifications

• Product Management, Market Analysis, and Customer Needs Identification skills
• Strong project management and cross-functional collaboration abilities
• Excellent communication and presentation skills
• Financial acumen and understanding of banking products and services
• Experience in the banking or financial industry
• Bachelor’s degree in Business, Finance, Economics, or related field

Relationship Manager – Retail Banking Group

A Relationship Manager is a core anchor in taking our banking solutions and services to our valuable customers. This involves a 360-degree banking approach. The Relationship Managers should have an inclination to understand the customer needs and offer solutions in line with the needs. The core philosophy to hold is being “Fair to the Customer and Fair to the Bank”. At ICICI Bank, our customer-centric relationship managers are responsible for acquiring new customer relationships and increasing the wallet share of existing customer relationships with a resolute focus on service quality and customer delight. They collaborate and work with different internal teams, thereby offering the best-in-class customer service. In line with our philosophy of taking the entire bank to the customers, our relationship managers work on the whole suite of offerings like saving solutions, loan products, overdraft solutions, Insta loans, investment solutions, care products, trade solutions, business loans, or wealth management solutions while upholding our fundamental value of being Fair to the Bank and Fair to the Customer.

Bankable individuals not just Bankers: We hire from across industries!

We at ICICI Bank are in continuous pursuit of creating consistent customer delight and superior experience. Our Relationship Managers are empowered individuals who champion the cause of customer experience and have penchant for building and nurturing business relationships. If you are an individual, whose heart echoes with our aspiration, look no more. We do not just choose diverse minds but celebrate their success. If you are a bankable individual without banking experience, you are very much welcome, irrespective of your present core responsibilities or the industry associated. Our training programs equip you to get ready for the role of a Relationship Manager. Professionals from across industries are welcome to apply for the role of Relationship Manager.

Key Responsibilities:

• Customer Service: Create service excellence by partnering with customers through their life cycle and offering suitable products and services based on their financial needs while being fair to the customer and fair to the bank in all engagements.
• Business Development: Ensuring a growth in wallet share of existing customers and on boarding new customers by offering 360-degree banking solutions that meet the needs of our customers
• Champion 360-degree banking: Offer products based on customer needs in collaboration with other internal teams in the bank for suitable product offerings.
• Enhance the portfolio quality: Work towards enhancing customer portfolio within the philosophy of Fair to the Bank, Fair to the Customer
• Customized solutions: As per branch guidelines. Upkeep and maintaining of the branch. Ensure availability of necessary infrastructure in the branch
• Behold the values: Offer products that are fair to our customers and fair to the Bank

Key Qualification & Skills

• Educational Qualification: MBA or Graduates with 1-10 years of experience in the area of relationship management, Business development or allied roles.
• Communication: Good oral and written communication skills
• Synergize with Team: Willingness to work with various teams for on-ground support and deliver enablers as required.
• Improvise: Develop and implement overarching sales and customer relationship strategy, sales processes and structure.
• Market Sensing: Monitor and evaluate industry trends, customer drivers and potential partnerships

About the Business Group

Retail Banking Group at ICICI Bank serves customer segments consisting of individuals, self-employed professionals, SMEs, proprietors, government, and retail institutions. With approximately 6,500 branches across the country, our relationship team is dedicated to serving customer needs with a 360-degree approach. ICICI Bank has a unique bouquet of digital solutions covering the diverse banking needs of customers. To facilitate a seamless customer banking experience, we have adopted the ICICI Stack approach. It covers a complete range of banking services from bank accounts, payments, banking transactions, and credit cards to personal, mortgage, vehicle loans, and business & institutional solutions.

Location:

Bhubneshwar, Cuttack, Berhampur, Puri, Rourkela, Sambalpur

Hiring Chartered Accountant

ICICI Bank is pleased to onboard Chartered Accountants across various functional domains like Relationship Management, Credit Management, Risk & Compliance, Audit, and Product Management.

Applicants are expected to apply for this opportunity with an understanding that every job role at ICICI Bank will entail Sales & Relationship management.

The role and location offered will solely depend upon the requirement of the Bank.

ICICI Bank believes in serving the entire banking needs of the customer through a customer-360 degree approach, this necessitates all the employees to work beyond the role boundaries and product domains.

Key Responsibilities

• 360° Credit Assessment: Understand in detail the client’s business and financials and prepare a quality appraisal note in collaboration with the Risk Management team.
• Business Development: Market scoping, segmenting and targeting to acquire new clients as per the risk appetite of the bank and drive ecosystem revenue o The RM for the purpose of business origination, will engage with banks, brokers, corporates, law firms, trade associations, chamber of commerce as well as attend events, participate in seminars, and trade fairs.
• Collaboration: Work in synergy with different internal teams of the Bank in order to deliver the right solutions to the customer. Collaborative working is key in this role.
• Portfolio Management: Manage a high-quality portfolio of corporate clients. Work towards generating new business leads as well as deepening relationships with existing customers.
• Customer Service: Create service excellence by partnering with customers through their life cycle and offer suitable products and services based on their financial needs while being fair to the customer and fair to the bank in all engagements.
• Behold our values: Offer products that are fair to our customers and fair to the bank.

Key Qualifications & Skills

• Educational Qualification Chartered Accountant with 0-6 years of experience
• Communication skills: Ability to tailor conversations (both verbal & written) arounds the need of customer with utmost focus on service delivery.
• Financial Understanding: An understanding of the intricacies of financial analysis, the balance sheet, profit & loss accounts and cash flow statements. Knowledge of basic banking products.

Locations: Mumbai, Chennai, Hyderabad

Credit Monitoring Analyst

The Credit Monitoring Analyst is responsible for the comprehensive credit monitoring of the portfolio across diverse business segments. This role entails financial analysis, borrower conduct analysis, and the assessment of market indicators and external events. The ideal candidate will demonstrate robust analytical capabilities and proficiency in identifying early signs of stress within the portfolio, and highlighting the same to the business, credit, and risk teams.

Key Responsibilities:

• Portfolio Management: Monitor the Wholesale Banking and Business Banking portfolios. Address internal and RBI audit-related queries pertaining to the credit monitoring process.
• Ground Sensing: Identify potential credit deterioration or weakening by analysing various internal alerts, including transactional, behavioural, financial, and external alerts such as market-related news and highlighting the same to the business, credit, and risk teams.
• Financial understanding: Possess a fundamental understanding of financial documents such as annual reports, CMA, stock, and book debts statements to conduct meaningful assessments of borrower businesses.
• Collaboration: Collaborate closely with the credit, risk, and IT teams to enhance the utilization of technology in credit monitoring, controls, and reporting.
• Service Delivery: Convene periodic health council meetings for identified borrowers, ensuring the complete closure of the loop in terms of actionable items, timelines, and feedback.
• Analysis and Reporting: Publish regular reports to senior management on portfolio quality, delinquency, behavior, and other relevant metrics

Key Qualifications & Skills:

• Educational Qualification: CA or MBA with 1 to 5 years of relevant experience of credit products and processes.
• Hands-on credit knowledge: Analytical aptitude and familiarity with banking regulations and credit risk management practices.
• Communication Skills: Good communication and presentation skills