Relationship Manager / Sr. Relationship Manager / AVP

Company Overview

Details about the company are not provided.

Job Summary

The Relationship Manager (RM) within the Medium Enterprises (ME) team is a dynamic and result-oriented role responsible for sourcing and managing a portfolio of clients with turnovers ranging from ₹100 Cr to ₹500 Cr. The RM will play a critical role in maintaining portfolio hygiene and actively engaging in cross-selling financial products to meet the organization's business objectives.

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients within the medium enterprise segment by leveraging market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen existing client relationships, ensuring satisfaction and retention through regular engagement.
• Credit Note Preparation: Conduct comprehensive financial analyses and prepare detailed credit notes for new and existing clients, evaluating risk and aligning proposals with bank’s credit policies.
• Sanction Process & Stakeholder Coordination: Collaborate with internal credit teams for proposal discussions and approvals, effectively communicating client financial needs to align with available product offerings.
• Portfolio Hygiene: Ensure timely renewals, compliance with limits, proper documentation, and monitoring of early warning signals to maintain high asset quality and minimize delinquencies.
• Cross-Selling: Identify and capitalize on cross-sell opportunities across various products, including trade finance, treasury, cash management, insurance, and working capital solutions.

Qualifications

• Educational Background: Graduate/Postgraduate in Finance, Commerce, or a related field.
• Experience: 3–4 years of experience in corporate, Small and Medium-sized Enterprises (SME), or Medium Enterprises (ME) banking.
• Skills:
  • Strong understanding of credit analysis and financial statements.
  • Excellent relationship management and communication skills.
  • Proven ability to drive business growth while effectively managing risks.

Preferred Skills

• Familiarity with financial products and services.
• Networking abilities within the industry.
• Analytical skills to assess financial risks and opportunities.

Experience

• A minimum of 3–4 years in roles related to corporate banking or SME/ME banking.

Environment

Information regarding the work setting, location, or any specific physical or environmental conditions is not provided.

Salary

Salary information is not provided.

Growth Opportunities

Potential career advancement opportunities within the company are not specified.

Benefits

Details about offered benefits are not provided.