Relationship Manager / Sr. Relationship Manager / AVP SURAT

Company Overview

While specific details about the company are not provided, this role focuses on servicing medium enterprises, indicating a corporate banking environment that emphasizes client relationships and financial product offerings.

Job Summary

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be instrumental in sourcing and managing a portfolio of clients with a turnover ranging from ₹100 Cr to ₹500 Cr. This role focuses on maintaining portfolio hygiene and actively engaging in cross-selling financial products to contribute to the organization’s goals.

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment, identifying opportunities through market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio through regular engagement to ensure satisfaction and retention.
• Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients, evaluating risk and structuring proposals in line with the bank’s credit policies.
• Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals while effectively communicating with clients to understand their financial needs.
• Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals, maintaining high asset quality and minimizing 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, or 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

• Acumen in strategic networking and market intelligence.
• Familiarity with financial product offerings and industry trends.

Experience

A minimum of 3-4 years of relevant experience in banking specifically focused on corporate, SME, or medium enterprises.

Environment

The job will likely be based in Surat, engaging with clients in a corporate banking environment that emphasizes relationship management and financial product delivery.

Salary

Salary information was not specified.

Growth Opportunities

Potential avenues for career advancement within the corporate banking sector are implied but not explicitly provided.

Benefits

Specific benefits were not outlined, suggesting that details may need to be discussed further during the recruitment process.