Relationship Manager / Sr. Relationship Manager / AVP BHOPAL

Company Overview

Information about the company was 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 plays a crucial part in contributing to the organization’s goals by enhancing client relationships and driving business growth.

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 line with the bank’s credit policies.
• Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals, effectively communicating 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

• 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

• Additional qualifications or skills that may enhance a candidate's profile were not specified.

Experience

• 3–4 years of relevant experience in corporate/SME/ME banking is required for this role.

Environment

• Information about the typical work setting, location, or environmental conditions was not specified.

Salary

• Estimated salary range was not specified.

Growth Opportunities

• Details related to potential career advancement opportunities within the company were not specified.

Benefits

• Information on benefits offered, such as insurance and paid leave, was not specified.