HindustanTimes Sun,20 Apr 2014
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Hindustan Times
New Delhi, March 05, 2013
First Published: 17:06 IST(5/3/2013)
Last Updated: 17:10 IST(5/3/2013)
Customer care: Relationship managers have to ensure that a bank’s services are topnotch, making a customer feel safe and pampered

The lowdown

Relationship managers (RMs) look after the administration of a bank branch. They also look after the direct sales associates (DSA) and direct sales team (DST). Checking files, forming DSA teams, training people, making DSAs aware of various policies of the bank, creating relationships with customers are some responsibilities that RMs share. They have to ensure that a bank’s services are topnotch, making a customer feel safe and pampered. As an RM you have to do field as well as desk work, which gives you a taste of both the worlds. If your performance is good, then you can be promoted from the post of RM to that of a manager in two to three years. You might encounter customers who might have high expectations when it comes to service delivery and will demand quick solutions to problems. Thus, you need to have loads of patience

9.30am: Reach office
10am: Brief DSAs and DSTs; fix targets for the day
11am: Check files (loan), check files of current and saving accounts
11.30am: Process files
12pm: Check credit investigation bureau of India limited rating
1.30pm: Lunch
2.30pm: Follow up on the credit team files
4pm - 6pm: Check files for the day, taking reports from DSAs and DSTs
6.30pm: Leave office

The payoff
Relationship manager: Rs. 25,000 to Rs. 30,000 a month, branch manager: Rs. 40,000 to Rs. 50,000 a month, district manager: Rs. 55,000 to Rs. 65,000 a month, regional manager: Rs. 1 lakh to Rs. 1.5 lakh a month, vice president (north, east, west, south): Sky is the limit

* Good administrative skills
* Good communication and presentation skills 
* Sound knowledge of product
* Networking capabilities
* Good at strategising

Getting there
Take up maths or commerce at Class 12. A BBA degree at the graduation level will make it easy for you to handle the job. While some banks promote executives to RM, some directly recruit MBA freshers for the post of RM. However, many banks prefer taking candidates with an MBA degree only

Institutes and URLs
* Indian Institutes of Management, 
* Faculty of Management Studies, Delhi University, 
* Management Development Institute, Gurgaon     
* Fore School of Management, New Delhi      

Pros and cons
* Money is good
* Good work culture
* You get to interact with interesting people/customers
* Long working hours
* Stressful job

There are no shortcuts in this profession. Only performance and number of years dedicated to the company can take you to places -- Narinder Kumar Bhasin, vice president & retail banking branch head, Axis Bank, New Delhi

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