Axis Bank - Relationship Manager

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About Wholesale Banking Coverage Group:

The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oil& Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities.

About the Role:

- The Relationship Manager is responsible for scoping of the area sales and operations and implementing strategies to increase productivity and performance levels in order to achieve the Circle's financial targets.

- They are responsible for ensuring the smooth functioning of the daily operations and compliance with the rules and regulations set as per banking norms for Government clients/ Departments. The role involves relationship management with the key account holders of the Bank to ensure deepening of accounts and thus generating revenue

Key Responsibilities:

- Source new customers to generate revenue for fund Based and non-fund based products and increase customer base

- Strengthen relationship with existing customer base so as to generate sustained business and identify opportunities for cross sell.

- Ensure prudent portfolio management and diversification of risk in partnership with the Credit Team to achieve portfolio quality

- Ensure implementation of due processes, guidelines and Bank's code of conduct in all transactions, sanctions, disbursals and post disbursal activities.

- Review daily/ periodic reports with a view to identify business opportunities, act upon early warning signals highlighted by the central teams, implement exit plan for stress accounts

- Provide feedback to Risk Management/ Product Policy / Process Monitoring Teams for streamlining the processes to ensure TAT reduction, Risk Diversification and Inclusive policy.

- Ensure Product Per Customer (PPC) growth in the allocated portfolio in the defined set of products

- Ensure prudent implementation of Digital initialization taken by the Bank in alignment with the GoI/GoM initiatives by critically analyzing the cost benefit to the bank.

- Ensure replication of Centrally Sponsored Schemes (CSS) and State Sponsored Schemes (SSS) across given portfolio.

- Ensure throughput of CDBT & GST taxes from given portfolio and assist the Nodal officer as and when required.

- Review existing portfolio and constantly updating of ReKYC, PAN & Covenant compliance as per the Banking standards

Qualifications:

- Optimal qualification for success on the job is:

Graduation/ Post- Graduation (MBA preferred) from a recognized institute

Role Proficiencies:

- For successful execution of the job, the candidate should possess the following:

- Knowledge of banking CMS/ Sector Specific/ Customized Banking applications/ products and services

- Knowledge of regulatory guidelines and norms

- Good communication (both verbal and written) skill in both English and the Regional language

- Ability to manage complex client situations

- Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment