Relationship Manager / Sr. Relationship Manager / AVP

Company Overview

Company details and culture are not specified.

Job Summary

We are seeking a dynamic and result-oriented Relationship Manager to join our Medium Enterprises (ME) team. The successful candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr. This role is critical in maintaining portfolio hygiene and actively engaging in cross-selling financial products, thereby contributing to the organization’s growth objectives.

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between ₹100 Cr to ₹500 Cr by identifying opportunities through market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio through regular engagement to ensure satisfaction and retention.
• Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for both new and existing clients, evaluating risk and structuring proposals in line with the bank’s credit policies.
• Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals, ensuring effective communication with clients to understand their financial needs and align with product offerings.
• Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation management, 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/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

• Knowledge of various financial products and services.
• Proficiency in financial modeling and risk assessment tools.

Experience

3-4 years of relevant experience in corporate, SME, or medium enterprise banking is required.

Environment

Details regarding the typical work setting, location (remote, in-office, hybrid), and any physical or environmental conditions are not specified.

Salary

Salary information is not specified.

Growth Opportunities

Details on potential career advancement opportunities within the company are not provided.

Benefits

Information on benefits offered, such as insurance, paid leave, or work policies, is not specified.