Retail Bank Sales and Distribution
Retail Bank Sales & Distribution vertical is an agglomeration of various channels responsible for acquiring customers with segment driven relationship model that serves clients across the full spectrum of consumer banking needs. The key channels under this business are Suvidha (salary accounts), Affluent client acquisitions, SKY Branch and Service.
Role Outline/Job Summary
Affluent Client Acquisition Manager (ACAM) will be responsible for client coverage and sales origination. ACAM would be expected to work in a target driven environment and deliver across multiple product lines which is Citigold Private Client and Citigold accounts. The role is to expand the high net-worth client base and balance sheet, by acquiring new-to-bank Citigold customers through external and internal referrals. ACAMs will work very closely with Citigold Private Client and Citigold Relationship Manager and Citigold Wealth and Insurance Specialist to enable full suite of Citi Value proposition to be presented to potential Citigold customers and to onboard them. In addition to acquisition, the incumbent will be responsible for deliverables around compliance and controls.
Affluent Client Acquisition Manager
Global Consumer Group
Retail Bank – Sales & Distribution
ROLE & RESPONSIBILITIES
Citigold Private Client (CPC) and Citigold account (CG) acquisitions, Qualified Client growth along with deepening of Wallet through Investment / Insurance / FX penetration in the account.
Identify and solicit new-to-bank Citigold Private Client and Citigold accounts of HNI clients through internal and external channels.
Assist the client in opening CPC / CG account, as per the client’s preference.
Early Engagement and Activation of accounts on Investments, Insurance and Forex.
Keep abreast of current economic environment and capital markets, so as to have meaningful discussions with Citigold NTB prospects and optimise acquisition effectiveness.
Optimize Cross Sell opportunities including credit cards , Mortgage and Business Lending
Actively promote referrals from existing clients to generate a pipeline of prospects
Smooth Conversation and conversion of the prospects/leads given by the Digital /Telesales Unit or other channels into funded CPC and CG accounts
Optimize funded Citigold opportunity in listed Salary account relationship companies
Ability to recognize business opportunities for acquiring new customers in the Affluent HNI space and formulate acquisition initiatives
Spearhead any micro marketing events focused on NTB acquisition.
Work with the product team, telemarketing to identify initiatives and products that will help acquire new customers for the Bank
Provide complete and comprehensive information on products, services, charges etc. proactively to the customer and ensure best on-boarding service standards
Understand customer needs, explore and educate customer on financial needs arising at various life stages
Customer relationship deepening; maximize penetration across products, customer focused need based selling
Ensure compliance and integrity of the sales process with respect to right selling, sourcing and documentation.
Joint meetings with the Unit Head to be done regularly with call reporting tracking.
Deliver consistent and best-in-class customer service
Ensure updation of complete KYC details for the originated accounts
Discipline in Trainings; Certifications; HR related time lines adherence
As mentioned above
Individual Contributor (IC)/Managerial
As mentioned above
Required Preferred Education:
2 – 3 Years experience preferably in the financial services industry
Either prior experience of acquiring high-net-worth clients (Priority Banking / SME Banking) or prior experience in investment products, such as, Mutual Funds, Insurance, equity, fixed-income (bonds) will be preferred.
Other Industry relevant sales experience such as real estate / Assets experience can be considered
Tertiary degree or equivalent
Citi mandatory certifications , AMFI and IRDA
Excellent communication skills – verbal and written
Excellent teamwork skills in order to cater to the varied investment understanding and support requirement of customers and prospects
Basic analytical skills required to comprehend research and performance reports and to interpret them to offer most suitable products for customer profile.
High sales drive and energy levels. Ability to thrive in a high-pressure environment by demonstrating leadership and selling skills.
Ability to nurture and build strong relationships with customers
Reports to Direct:
Sales Manager – Affluent Client Acquisition
Citi offers mobility across functions and geographies
Job Family Group:
Citi is an equal opportunity and affirmative action employer.
Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
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