Cluster Business Leader

Company Overview

Company information is 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 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. Engage regularly 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 such as trade finance, treasury, cash management, insurance, and working capital solutions.

Qualifications

• Graduate/Postgraduate in Finance, Commerce, or a related field.
• 3–4 years of experience in corporate/SME/ME banking.
• 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

• Strong analytical capabilities.
• Knowledge of banking products and services.
• Ability to work independently and in a team environment.
• Excellent negotiation and persuasion skills.

Experience

• 3–4 years of relevant experience is required, particularly in corporate, small to medium enterprises, or medium enterprises banking.

Environment

Work setting, location, and additional environment details are not specified.

Salary

Salary information is not specified.

Growth Opportunities

Potential career advancement opportunities are not specified.

Benefits

Benefits offered are not specified.