Relationship Manager

JOB DESCRIPTION

Role Summary:

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small & Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a Ticket Size of from 10 Cr to 50 CR for Small Enterprise AND 30 Cr to 50 Cr for Medium Enterprise, 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 and Medium Enterprise segment. 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 banks 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-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.