Relationship Manager - Commercial Banking

Job Requirements

Role / Job Title : Relationship Manager – Commercial Banking

Function / Department : Commercial Banking

Job Purpose

Own end‑to‑end acquisition and relationship management of mid‑corporate clients to deliver sustainable revenue and book growth across assets and liabilities, with a strong focus on new‑to‑bank (NTB) acquisition and activation and on cross‑sell of transaction banking products e.g., Cash Management Services (CMS), Trade Services—and treasury / FX solutions, while maintaining portfolio quality, ensuring compliance with risk policies, and orchestrating seamless service through cross‑functional collaboration

Roles & Responsibilities

• Acquire new mid-corporate clients and onboard them successfully.
• Achieve targets for fund-based and non-fund-based products, such as working capital loans, term loans, and trade finance.
• Cross-sell products like treasury services, cash management services, forex services, salary accounts, etc.
• Meet income targets from interest and fee-based products for both assets and liabilities.
• Focus on increasing wallet share by offering customized solutions to clients.
• Build and maintain strong relationships with key decision-makers in client organizations.
• Ensure high client satisfaction scores through regular engagement and prompt issue resolution.
• Monitor the creditworthiness of clients and ensure compliance with the bank's risk policies.
• Minimize non-performing assets (NPAs) by maintaining a healthy portfolio.
• Ensure CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts.
• Work closely with product teams (e.g., treasury services, cash management services, forex services) to meet client needs.
• Coordinate with credit and operations teams for seamless service delivery.

Education Qualification

Graduation : Any graduate

Post-graduation : Any post-graduate

Experience : 5 to 10 years of relevant experience in relationship management

Skills Required

Cash Management Services, Trade Services, Trade Finance, Term Loans