Relationship Manager / AVP

Company Overview

[Company name] is a leading institution dedicated to providing innovative financial solutions tailored for small enterprises. Our culture is driven by collaboration, integrity, and a commitment to excellence in serving our clients.

Job Summary

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The primary purpose of this role is to source and manage a portfolio of clients with a turnover of up to ₹100 Cr. The Relationship Manager will maintain portfolio hygiene and actively engage in cross-selling financial products, contributing to the organization's growth and client satisfaction.

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment 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 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 while effectively communicating with clients to understand their financial needs.
• Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals to maintain high asset quality and minimize delinquencies.
• Cross-Selling: Identify and capitalize on cross-selling 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: 5+ years in corporate/SME/ME banking.
• Technical Skills: Strong understanding of credit analysis and financial statements.
• Soft Skills: Excellent relationship management and communication skills; proven ability to drive business and manage risk effectively.

Preferred Skills

• Familiarity with financial products and services tailored to small enterprises.
• Previous experience in cross-selling within financial services.

Experience

• A minimum of 5 years of relevant experience in relationship management or banking, particularly within the small enterprise sector.

Environment

This position typically operates in a hybrid work setting, where occasional in-office presence may be required for meetings and team collaboration. The role may involve travel to meet clients and attend industry events.

Salary

Salary details are not specified.

Growth Opportunities

We offer significant career advancement opportunities within the company for high-performing individuals, including potential paths to senior management roles in various departments.

Benefits

Benefits include competitive compensation packages, opportunities for professional development, and a supportive work environment that promotes work-life balance.