Role Overview:

We are looking for an experienced Relationship Manager - PSU Banking with strong exposure to Public Sector Undertakings (PSUs), Government entities, large corporates and institutional clients. The candidate should have a deep understanding of balance-sheet analysis, liability products, credit assessment and corporate banking solutions.

Key Responsibilities:

- Manage and develop relationships with PSUs, Government organizations, large corporates and institutional clients.

- Acquire new PSU and institutional relationships and deepen existing relationships.

- Drive liability business, including Current Accounts, Savings Accounts, deposits, cash management and other transaction banking solutions.

- Demonstrate strong understanding of balance sheets, P&L statements, cash-flow statements and financial ratios.

- Analyze the financial health of clients and identify business, credit and liability opportunities.

- Have sound knowledge of credit appraisal, financial analysis, working capital, term loans, bank facilities and credit structures.

- Understand client borrowing requirements and coordinate with Credit, Risk, Product and Operations teams for appropriate banking solutions.

- Identify opportunities for fund-based and non-fund-based business, including working capital limits, term lending, bank guarantees and letters of credit.

- Develop a strong understanding of the client's liability profile, banking relationships, cash flows and overall financial requirements.

- Monitor portfolio performance, account conduct, financial performance and emerging credit risks.

- Prepare client proposals and coordinate for credit approvals and documentation.

- Cross-sell Trade Finance, Cash Management Services, Forex, Treasury and other corporate banking products.

- Maintain senior-level relationships with key decision-makers, finance teams, CFOs, treasurers and procurement/administration departments.

- Ensure compliance with internal policies, KYC, regulatory requirements and risk guidelines.

- Achieve assigned targets for liabilities, revenue, assets, fee income and client acquisition.

Mandatory Skills:

- Strong PSU / Government banking relationship experience

- Deep understanding of liability products

- Strong balance-sheet reading and financial statement analysis

- Good knowledge of credit appraisal and credit underwriting

- Understanding of working capital and term lending

- Knowledge of fund-based and non-fund-based facilities

- Ability to understand P&L, Balance Sheet and Cash Flow statements

- Strong corporate/institutional relationship management skills

- Good knowledge of cash management, trade finance and transaction banking

- Strong communication and negotiation skills

- Ability to engage with CFOs, Finance Heads and senior PSU officials