Relationship Manager / AVP

Company Overview

Company details are not specified.

Job Summary

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover up to ₹100 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products.

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment with turnover up to ₹100 Cr. Identify opportunities through market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure 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. Effectively communicate 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-selling opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

Qualifications

• Graduate/Postgraduate in Finance, Commerce, or a related field.
• 5+ years of experience in corporate/SME/ME banking.
• 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

• Experience in financial product sales.
• Knowledge of regulatory requirements and banking policies.

Experience

• 5+ years of relevant experience in corporate, SME, or medium enterprise banking.

Environment

Work setting, location, and conditions are not specified.

Salary

Salary details are not specified.

Growth Opportunities

Career advancement opportunities within the company are not specified.

Benefits

Offered benefits are not specified.