Relationship Manager / Sr. Relationship Manager / AVP -AGRA

Company Overview

Information about the company, its industry, and culture is not specified.

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 turnover ranging from ₹100 Cr to ₹500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. This role is essential in driving client satisfaction and developing long-term relationships to contribute to the organization's goals.

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 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

• Additional experience in financial product sales or banking operations would be advantageous.

Experience

• 3-4 years of relevant experience in banking, specifically within corporate, SME, or medium enterprises sectors.

Environment

Typical work setting details, such as location (remote, in-office, hybrid), and any physical or environmental conditions, are not specified.

Salary

Salary information is not specified.

Growth Opportunities

Potential career advancement opportunities within the company are not specified.

Benefits

Offered benefits, such as insurance, paid leave, work policies, etc., are not specified.