Relationship Manager / AVP (Chennai)

Company Overview

Company name, industry, and culture details were 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

• Education: Graduate/Postgraduate in Finance, Commerce, or a related field.
• Experience: 5+ 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

Additional skills or qualifications were not specified.

Experience

Minimum of 5 years of relevant experience in a similar role.

Environment

Typical work setting, location, and any physical or environmental conditions were not specified.

Salary

Estimated salary range was not specified.

Growth Opportunities

Potential career advancement opportunities within the company were not specified.

Benefits

Offered benefits such as insurance, paid leave, work policies were not specified.