Relationship Manager

Job Title : Relationship Manager - SM / AVP

Department : Small Enterprises (SE) - Working Capital Products

Experience : 5+ years

Grade : SM / AVP

Role Summary :

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 up to ₹100 Cr maintaining portfolio hygiene and actively engaging in cross-selling financial products.

Key Responsibilities :

1. Client Acquisition (NTB) : Source new-to-bank (NTB) clients in the small enterprise segment with turnover up to ₹100 Cr. Identify opportunities through market intelligence, references, and industry networking.

2. Portfolio Management : Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.

3. 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.

4. 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.

5. Portfolio Hygiene : Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.

6. Cross-Selling : Identify and capitalize on cross-selling opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

Desired Candidate Profile :

• Graduate / Postgraduate in Finance, Commerce, or a related field.
• 5+ 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.