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.
Relationship Manager – Private Banking Group
About the job
Essential Service: Role & Location Fungibility:
At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service. The role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature.
About the Role:
As a Relationship Manager in Private Banking Group, you would act as a core anchor in taking our banking solutions and services to our valuable customers comprising of high net worth Individuals, Family Offices and Institutions. This involves a 360-degree banking approach. The Relationship Manager should have an inclination to understand the customer needs and offer solutions in line with the needs that comprises of various asset classes and investment propositions. 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 customer, our relationship managers work on the whole suite of offerings like investment solutions covering equities, commodities, Mutual Funds, Insurance product amongst others. As a Relationship Manager, the focus is on ensuring the needs of the customers are covered through the customer-360 degree approach without any particular allegiance to product or domain.
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 Bank, Fair to Customer.
- Customized solutions -As per branch guidelines. Upkeep and maintaining of the branch. Ensure availability of necessary infrastructure in the branch.
- Behold our values -Offer products that are fair to our customers and fair to the bank.
Key Qualifications & Skills:
- Educational Qualification-MBA/PGDM with 2 years of experience/Graduates with 6 years 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:
ICICI Bank’s Private Banking Group (PBG) offers comprehensive investment solutions and services to high net worth individuals and family offices across India and international geographies. We emphasize on our high quality investment management services along with leading banking and allied group capabilities.
Fulfilling the investment needs and aspirations of our clients is our constant endeavour. After extensive in-house research, the group’s handpicked product offerings help our customers achieve their goals. With the team of experts, group reviews various assets classes along with market and economic conditions to produce incisive insights. These house views, along with rigorous due diligence, help our team of Relationship Managers to suggest a range of products across asset classes. As the financial goals are unique, group creates a tailor-made investment strategy according to the needs of the customers. This is done based on a thorough understanding of financial needs and keeping customers’ investment attitude in mind. The group also offers advisory on Trust Services and Succession Planning. Family Office proposition aims to strengthen the governance structure in family-owned businesses.
Thus, emphasis is on a holistic approach towards financial and business goals. The strategic collaboration with global product providers enables us to construct unique solutions. It allows us to complement our core competencies with world-class, third-party capabilities to deliver solutions to your specific needs.
Credit Manager – Working capital and Term Loan for Corporates
About the job
Criteria :-
CA Freshers
CA / MBA Finance experienced – must have worked in credit processing of working capital / term loan products.
Process of renewal / fresh business loan request within the prescribed TAT and in compliance of bank policies and norms.
Analyze business, industry, management and financial risk of the borrower including necessary risk mitigation.
Co-ordinate with business counterparts / relationship management team w.r.t loan proposal, risk assessment, concerns in the loan structure are addressed etc
Conducting tele-discussion and site visit while processing loan proposals.
Review and recommend loan proposals to the sanction authority along with the conditions for risk mitigants and effective monitoring of account.
Monitoring of mapped portfolio of borrowers.
Identifying customer 360* opportunities (asset + liability side) for each case being processed.
Team work with business vertical – Provided strategic guidance to the Relationship Managers enabling proper choice while approaching prospective borrowers in market.
RM – Retail Banking, West
About the role
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.
Locations:
Prayagraj, Hardoi, Etawah
RM – Wholesale Banking
About the role
ICICI Bank provides comprehensive banking solutions to corporate customers. As a Relationship Manager of Wholesale Banking, you will be responsible for credit appraisal, financial analysis, client servicing, writing of credit notes, end-to-end executive of banking transactions, documentation, and covenant management. In this role, you work under the guidance of a Senior Relationship Manager/ Regional Head. While serving customers, you will be responsible for 360-degree banking and looking for banking opportunities across the customer ecosystem. This will involve offering banking products and services across the customer segments of the Bank. In your responsibility, you also hold the principle of being “Fair to Customer, Fair to Bank. You will be responsible for generating new business leads as well as deepening relationships with existing customers.
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
- 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.
Key Qualifications & Skills
- Educational Qualification:MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of relationship management across industries
- Communication skills: Ability to tailor conversations (both verbal & written) arounds the need of customer with utmost focus on service delivery.
- Financial Understanding: Understanding of the intricacies of financial analysis, the balance sheet, profit & loss accounts and cash flow statements. Knowledge of basic banking products.
