Relationship Manager - Commercial Banking - Mid Corporate

Role:

Relationship Manager - Commercial Banking (Mid Corp)

Location:

RM/SRM for Chandigarh and ARM for Jaipur

Job Purpose:

Own end to end acquisition and relationship management of mid corporate clients to deliver sustainable revenue and book growth across assets and liabilities, with a strong focus on new to bank (NTB) acquisition and activation and on cross sell of transaction banking products e.g., Cash Management Services (CMS), Trade Services, and treasury/FX solutions, while maintaining portfolio quality, ensuring compliance with risk policies, and orchestrating seamless service through cross functional collaboration.

Roles & Responsibilities:

- Acquire new mid-corporate clients and onboard them successfully.

- Achieve targets for fund-based and non-fund-based products, such as working capital loans, term loans, and trade finance.

- Cross-sell products like treasury services, cash management services, forex services, salary accounts, etc.

- Meet income targets from interest and fee-based products for both assets and liabilities.

- Focus on increasing wallet share by offering customized solutions to clients.

- Build and maintain strong relationships with key decision-makers in client organizations.

- Ensure high client satisfaction scores through regular engagement and prompt issue resolution.

- Monitor the creditworthiness of clients and ensure compliance with the bank's risk policies.

- Minimize non-performing assets (NPAs) by maintaining a healthy portfolio.

- Ensure CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts.

- Work closely with product teams (e.g., treasury services, cash management services, forex services) to meet client needs.

- Coordinate with credit and operations teams for seamless service delivery.