Relationship Manager / Sr. Relationship Manager / AVP

Company Overview

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Job Summary

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

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients within the medium enterprise segment, identifying opportunities through market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio; engage regularly with clients to ensure satisfaction and retention.
• Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients while evaluating risks and structuring proposals per 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, compliance with limits, 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 like 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 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 growth and manage risk effectively.

Preferred Skills

• Knowledge of financial products and services related to medium enterprises.
• Familiarity with credit risk assessment methodologies.

Experience

• 3–4 years of relevant experience in corporate banking or related fields.

Environment

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Salary

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Growth Opportunities

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Benefits

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