Program Manager (PUNE)

Company Overview

Company overview not provided.

Job Summary

We are seeking a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products to enhance customer satisfaction and retention while contributing to the company'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. Identify opportunities through market intelligence, references, and industry networking.
• Portfolio Management: Manage and deepen relationships with the existing client portfolio, ensuring regular engagement with clients for 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 alignment 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.
• 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

• Experience with financial product cross-selling and client management strategies.

Experience

Minimum of 3–4 years of relevant experience in corporate/SME/medium enterprise banking.

Environment

Work setting, location, and environmental conditions not provided.

Salary

Salary details not provided.

Growth Opportunities

Career advancement opportunities not specified.

Benefits

Offered benefits not specified.