Job Title: Relationship Manager - Mid Market Group (MMG)

Function: Business Banking Group

Location: Mumbai & Pune

Experience: 7+ Years

About the Role:

- We are seeking a dynamic and result-oriented Relationship Manager - Mid Market Group (MMG) for our Business Banking Group at Mumbai and Pune locations. The incumbent will be responsible for managing and growing a portfolio of mid-sized corporate clients, driving revenue across lending and liability products, and delivering comprehensive financial solutions tailored to client needs.

- This role requires strong credit acumen, client relationship skills, and a deep understanding of the mid-market ecosystem.

Key Responsibilities:

1. Client Relationship Management:

- Manage and grow an assigned portfolio of Mid-Market clients (typically turnover range as defined by bank policy).

- Develop strong CXO-level relationships (Promoters, CFOs, Finance Heads).

- Act as a single point of contact for all banking requirements.

- Ensure high customer engagement and retention levels.

2. Business Development:

- Acquire new-to-bank (NTB) mid-market clients in the assigned geography.

Drive revenue growth through cross-sell of:

- Working Capital (CC/OD)

- Term Loans

- Trade Finance

- Forex Solutions

- Cash Management Services (CMS)

- Liability Products

- Achieve annual budgets for assets, liabilities, fee income, and cross-sell targets.

3. Credit & Risk Management:

- Conduct detailed financial analysis including ratio analysis, CMA data, cash flow assessment, and industry evaluation.

- Prepare credit proposals and coordinate with credit and risk teams for sanction and disbursement.

- Monitor portfolio health, early warning signals, and ensure minimal delinquencies.

- Ensure adherence to internal credit policies and regulatory guidelines.

4. Portfolio Monitoring:

- Regular client reviews and annual renewal processing.

- Track covenant compliance and stock statement reviews.

- Maintain portfolio quality with low NPAs and controlled risk metrics.

5. Market Intelligence:

- Track industry trends, competitor activities, and local market dynamics in Mumbai and Pune.

- Identify emerging sectors and growth opportunities within the Mid-Market segment.

Eligibility Criteria:

- Minimum 7+ years of experience in Business Banking / Corporate Banking / Mid-Market segment.

- Strong exposure to credit underwriting and relationship management.

- Proven track record in NTB acquisition and portfolio growth.

- Good understanding of financial statements and credit risk assessment.

- Strong communication, negotiation, and stakeholder management skills.

Key Competencies:

- Client-centric approach

- Strong analytical and financial skills

- Business development orientation

- Risk awareness

- Execution excellence

- Team collaboration

Educational Qualification:

- MBA (Finance) / CA / CFA preferred

- Graduate in Commerce, Finance, or related discipline

Why Join Us?

- Opportunity to manage high-value Mid-Market portfolios

- Strong performance-driven culture

- Exposure to diverse industries across Mumbai & Pune

- Competitive compensation and growth opportunities

If you are a relationship-driven banking professional with strong credit expertise and a passion for building long-term client partnerships