The role holder will manage an allocated set of UHN/HNW customers from the wealth segment. The key role is to manage the relationship and drive the sales and service KPIs for the portfolio. RM should work closely with the Service Ambassadors/Branch Incharge at the branch , enhance the profitability of the relationship by increasing the relationship size, cross selling, upselling the right products and services, and provide exceptional service as well as with Subject matter experts from other BUs to fulfill clients’ requirements. Will also look at deepening relationships by seeking referrals of family/friends and ensuring nil/minimal attrition. The role holder is the SINGLE POINT OF CONTACT (SPOC) for the customer and the role holder will be supported by a team of partners like Service ambassadors, Subject Matter Experts, VRA and Branch Incharge. The role holder should have maturity to deal with HNI customers and experience to understand the needs of such customers and fulfill them. Keeping in mind the culture of the market the role holder has to have very high/impeccable standards of Integrity, Trustworthiness, and knowledge on financial products and services. Manage the HNI portfolio of the wealth segment. Increase the relationship value (deposit base) of the customer and the HNI customer base in the branch.

Job Description

• Manage the HNI portfolio of the wealth segment.
• Increase the relationship value (deposit base) of the customer and the HNI customer base in the branch.
• Improve EP per customer by increasing the holdings of deposit products and improving penetration of product holding across the bank (such as each customer should go from having say 2-3 products on average to 4-6 products with the bank).
• Source NTB customers through referrals and other promotional activities.
• Ensure the HNI portfolio of the branch is growing month on month and win back any lost deposits.
• Increase the NPS score of the customer base by a pre-agreed percentage.
• Work closely with the SA/ Branch Operation Team/Branch Incharge.
• Maintain the Contacts with customers as per the defined relationship matrix.
• Meetings can also be conducted at the branch in the Branch Incharge room or closest premium banking center to the Branch.
• Nurture and upgrade existing customers to move to the next level of UHN/HNW Offering.
• Pro-actively engage with customers to understand and analyze their needs, problems and interests to help the bank develop new products, services and interest group based exclusive events & activities for these clients.
• Maintain customer dossiers as defined by Wealth BU and update information in the CRM.
• Sales targets for Cross-Sell & Up-sell/ Revenue based targets to be met as per balanced score-card (e.g. increase in balances would be the primary objective, however there would be targets for other products as well).
• Review product penetration for assigned client base and identify customers for enhancing product penetration.
• Ensure KYC/AML and other norms are strictly adhered to and customer contact information is kept up to date.
• Activation of KBZPay / IM banking and other digital channels for each and every UHN/HNW customer and enabling bio-metric/facial recognition.
• Organize and host customer events for deepening relationships in close coordination with Branch Operation team/Wealth BU.
• Provide advisory service for customers to be a successful business, linking them to other businesses, helping customers to meet with the bank’s policies in their financing needs for business expansion.
• Also Offer and meet targets for non-Deposit product’s alike Insurance and other products introduced from time to time.
• Other duties as assigned.

• 5+ years banking experience and min 3 years as an Relationship Manager.
• Graduate or Prefer MBA.
• Fluent in local language and English Language (Reading, Writing, Speaking and Listening).
• IT skills are also beneficial – MS Office.
• Proficient negotiation and sales/relationship management skills essential.
• Must have Myanmar business network contacts and market data of competition.
• Understand the HNI segments likes/dislikes/preferences.
• Knowledge of Banking, Investments, Insurance, Securities and Fx.
• Understand SME lending, an advantage.
• Should have managed HNI customers in current/earlier role.(To undergo strength finder assessment).