Relationship Manager, Fixed Income (Retail)

About the job

Role Overview:The Relationship Manager Fixed Income (Retail) will be responsible for building and managing a portfolio of individual retail investors, helping them access and invest in fixed-income products such as corporate bonds, NCDs, The role requires a strong understanding of debt market products, excellent communication skills, and a client-first approach to financial advisory. KEY RESPONSIBILITIESClient Acquisition & Lead Generation

• Drive new client acquisition through referrals, digital outreach, LinkedIn, email campaigns, and in-branch walk-ins.
• Identify and prospect retail investors through networking events, community outreach, and partnership channels.
• Build and maintain a healthy sales pipeline to consistently meet monthly and quarterly acquisition targets.Client Relationship Management
• Develop long-term, trust-based relationships with retail clients through regular engagement in-person meetings, phone calls, and digital communication.
• Serve as the primary point of contact for all fixed-income investment queries and portfolio reviews.
• Ensure a superior client experience at every touchpoint, from onboarding to post-sale servicing.Investment Advisory & Product Suitability
• Assess each client's financial goals, investment horizon, liquidity needs, and risk appetite to recommend suitable fixed-income products.
• Educate retail clients on the features, risks, and returns of corporate bonds, NCDs, G-Secs, tax-free bonds, and fixed deposits.
• Prepare personalised investment proposals and portfolio summaries tailored to individual client profiles.Business Development & Revenue Growth
• Achieve assigned AUM mobilisation and revenue targets through active client engagement and product penetration.
• Cross-sell and upsell relevant investment products to existing clients based on evolving financial needs.
• Identify opportunities for wallet-share expansion within the existing client base.Market Intelligence & Communication
• Track debt market movements, RBI policy announcements, credit rating changes, and new bond issuances to keep clients informed.
• Share timely market updates, product alerts, and investment insights with clients through calls, emails, and WhatsApp communication.
• Conduct in-person or virtual investment awareness sessions and product presentations for retail audiences.Compliance & Documentation
• Ensure all client interactions and transactions adhere to SEBI regulations, KYC norms, and internal compliance standards.
• Maintain accurate and up-to-date client records, transaction logs, and interaction notes in the CRM system.
• Coordinate with operations and settlement teams to ensure seamless execution and timely delivery of client orders.