Relationship Manager / Sr. Relationship Manager / AVP

Company Overview

Not specified.

Job Summary

We are seeking a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. This role involves sourcing and managing a portfolio of clients with a turnover ranging from ₹100 Cr to ₹500 Cr. The ideal candidate will maintain portfolio hygiene and actively engage in cross-selling financial products, contributing to the organization’s goals and growth.

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 Cr. Identify opportunities through market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio. Ensure regular engagement with clients to maintain satisfaction and retention.
• Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with the bank’s credit policies.
• Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Communicate effectively with clients to understand their financial needs and ensure alignment with product offerings.
• Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.
• Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

Qualifications

• Education: Graduate/Postgraduate in Finance, Commerce, or a related field.
• Experience: 3–4 years of experience in corporate/SME/ME banking.
• Skills:
  • Strong understanding of credit analysis and financial statements.
  • Excellent relationship management and communication skills.
  • Proven ability to drive business and manage risk effectively.

Preferred Skills

• Further qualifications in banking or finance would be an advantage.
• Advanced skills in financial modeling and analysis.

Experience

3–4 years in corporate, SME, or Medium Enterprise banking roles.

Environment

The work setting typically involves a blend of in-office and client interactions, requiring effective communication and relationship management both in-person and remotely.

Salary

Not specified.

Growth Opportunities

Potential for advancement within the banking hierarchy, progressing from Manager to Senior Relationship Manager or Assistant Vice President (AVP) roles based on performance and experience.

Benefits

Not specified.