Relationship Manager / Sr. Relationship Manager / AVP

Company Overview

Company details are not specified.

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 responsible for sourcing and managing a portfolio of clients with a turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products.

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 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-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/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 experience in financial product cross-selling is preferred but not mandatory.

Experience

• 3–4 years of relevant experience in banking, particularly focused on medium enterprises.

Environment

Details regarding the work setting, location, and any specific physical environment conditions are not specified.

Salary

Salary details are not specified.

Growth Opportunities

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

Benefits

Benefits offered, such as insurance, paid leave, work policies, etc., are not specified.