Neville Bharucha

Relationship Manager @YES BANK

Mumbai, IN

As a Relationship Manager at Yes Bank, I manage a portfolio of High Net Worth (HNW) and affluent clients.I ensure deepening of existing relationships by cross-selling relevant financial products.I build trust through regular interactions, reviews, and financial guidance.I resolve client issues, grievances, and queries promptly and efficiently.I acquire new clients through leads, referrals, and personal networks.Achieve monthly/quarterly targets for:New account acquisition (CA/SA)Deposits (FD/RD/TD)Insurance (Life/General)Mutual funds and investment productsCredit cards and loansI understand customer financial needs and offer suitable products.I help clients plan wealth management, investment, and insurance strategies.I conduct regular financial reviews with customers.Upsell YES BANK products like:YES Premia accountsCredit cards, Home loans, Personal loans, Auto loansInsurance & investment products (Bancassurance, MF, Bonds)Drive fee income and third-party product revenueI ensure KYC/AML norms are strictly followed.I maintain accurate documentation of all client interactions and transactions.I adhere to all RBI, IRDAI, SEBI and internal compliance regulations.Stay updated with:Competitor offeringsFinancial product trendsRegulatory changesCommunicate YES BANK’s unique offerings effectivelyI deliver personalized service and maintain high CSAT (Customer Satisfaction Score).I engage clients through calls, meetings, webinars, and financial planning sessions.Promote digital banking solutions and mobile app usageNew client acquisition (NTB – New to Bank)CASA balance growthFee income generationProduct penetration per customer (wallet share)Retention rate of premium customersCustomer satisfaction & Net Promoter Score (NPS)