Senior Relationship Manager

Job Title : Sr. Relationship Manager

Department : Medium Enterprises (ME)

Experience : 10+ Years

Role Summary

We are looking for a dynamic and result-oriented Senior Relationship Manager (SRM) 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.

Key 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 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.

Desired Candidate Profile

Skills Required

Trade Finance, Financial Statements, Insurance, Cash Management, Treasury, Credit Analysis