Relationship Manager

Please find below the JD for the Relationship Manager role :

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹0 Cr to ₹100 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 smallenterprise segment with turnover between ₹0 Cr to ₹100 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.
• 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

Client Acquisition, Portfolio Management, Financial Statements, Cash Management, Trade Finance, Treasury, Credit Analysis, Insurance