Relationship Manager / AVP Hyderabad

Company Overview

Information about the company, its industry, and culture is 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 a turnover of 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 a turnover of up to ₹100 Cr. Identify opportunities through market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio, ensuring regular engagement with clients to guarantee 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-selling opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

Qualifications

• Educational Background: Graduate/Postgraduate in Finance, Commerce, or a related field.
• Experience: 5+ years of experience in corporate/SME/ME banking.
• Technical Skills: Strong understanding of credit analysis and financial statements.
• Soft Skills: Excellent relationship management and communication skills.
• Business Acumen: Proven ability to drive business and manage risk effectively.

Preferred Skills

• Additional expertise in financial products and services beneficial for advising clients.
• Familiarity with regulatory requirements in the banking sector could be advantageous.

Experience

5+ years of relevant experience in corporate or SME banking.

Environment

Information about the work setting, location (remote, in-office, hybrid), or any physical conditions is not specified.

Salary

Salary details are not specified.

Growth Opportunities

Information about potential career advancement opportunities within the company is not specified.

Benefits

Information about offered benefits such as insurance, paid leave, work policies, etc. is not specified.