Axis Bank - Relationship Manager - Commercial Banking - Medium Enterprises

About Commercial Banking Group:

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc.

About the Role:

The Relationship Manager is responsible for the achievement of the budgeted targets by sourcing NTB business through channels/self-sourcing and customer relationship management. The Job holder also coordinates post sanction formalities such as, disbursement, cross-sell, compliance of statutory & internal audit issues and provides industry/segment specific feedback to Geography and Central Office team.

Key Responsibilities

- Generate leads by identifying potential industrial areas/trading units & prepare strategies to increase the Bank's penetration in those areas

- Manage the internal (Branches/ other business verticals) and external (empanelled outsourced agencies) lead generating channels to generate the expected business

- Enable the sanctioning process by ensuring conduct and scrutiny of pre-disbursement activities

- Liaison with Corporate Banking Operations team and Centralized Processing Unit to enable smooth completion of post sanction formalities, account opening and disbursement

- Meet customer service requirements through regular interactions with the customers to understand business condition, enhancement opportunity, etc

- Monitor transactions in the customer accounts to ensure that the cash flow movement and end use of fund are in compliance with the sanction stipulations

- Assist the Credit Manager in unit inspections and ensure timely insurance renewal, DP updated, stock renewal statement scrutiny and gathering of relevant market information

- Ensure maintenance of quality and health of portfolio and minimize Days Past Due through regular interactions with the customer

- Initiate recovery of stressed accounts through tele-calling/ field visits

- Ensure compliance to the stipulated guidelines/ norms and ensure closure to the audit processes