Relationship Manager - Business Banking

Job Purpose:

Responsible for acquiring, managing, and growing the SME / Business Banking portfolio with a primary focus on Working Capital products. Ensure client satisfaction, portfolio quality, and profitability while adhering to regulatory and internal policies.

Key Responsibilities:

- Acquire new SME / MSME clients primarily for Working Capital facilities (CC/OD, Packing Credit, Bill Discounting, Export Finance, Trade Finance, etc.)

- Conduct detailed assessment of client's financials, cash flows, and working capital cycle to structure suitable credit solutions.

- Prepare and present credit proposals for sanction, liaising with credit teams for timely approvals.

- Manage existing client relationships to ensure timely renewal, limit utilization, and cross-sell of other banking products.

- Monitor account performance, assess early warning signals, and proactively address portfolio risks.

- Achieve business targets related to Working Capital disbursements, income, and client acquisition.

- Ensure strict compliance with internal policies, regulatory guidelines, and KYC/AML norms.

- Build strong internal networks with credit, risk, operations, and legal teams to ensure smooth onboarding and servicing.

Key Skills & Competencies:

- Strong knowledge and hands-on experience in Working Capital financing.

- Proficiency in financial statement analysis, cash flow assessment, and credit appraisal.

- Good understanding of Trade Finance and Treasury products.

- Excellent client acquisition, relationship management, and negotiation skills.

- Strong risk assessment and portfolio monitoring abilities.

- Sound knowledge of regulatory guidelines and compliance requirements.