Relationship Manager / Sr. Relationship Manager / AVP Hyderabad

Company Overview

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

Job Summary

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

Responsibilities

• Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment by identifying opportunities through market intelligence, references, and industry networking.

• Portfolio Management: Manage and deepen relationships with the existing client portfolio, ensuring regular engagement to guarantee 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 according to 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 align their financial needs with product offerings.

• Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitor 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 Qualifications: Graduate/Postgraduate in Finance, Commerce, or a related field.

• Experience: 3–4 years of experience in corporate banking/SME banking/medium enterprises banking.

• Technical Skills: Strong understanding of credit analysis and the ability to interpret financial statements effectively.

• Soft Skills: Excellent relationship management and communication skills, with a proven ability to drive business and manage risk efficiently.

Preferred Skills

• Knowledge of financial regulations and compliance within the banking sector.
• Familiarity with various banking products.
• Strong analytical skills and attention to detail.

Experience

• 3–4 years of relevant experience in banking, specifically with medium enterprises or corporate clients.

Environment

Information about the typical work setting or location is not provided.

Salary

Salary information is not provided.

Growth Opportunities

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

Benefits

Information regarding offered benefits is not provided.