Relationship Manager - Small & Emerging Corporate - Bank

We are looking for a Relationship Manager - Small & Emerging Corporate to acquire and manage relationships with mid-sized corporate clients. The role involves identifying new business opportunities, structuring credit solutions, and ensuring end-to-end relationship management - from proposal to disbursal and ongoing portfolio monitoring.

Key Responsibilities:

- Identify new corporate clients and assess creditworthiness.

- Build strong referral networks with partners, CAs, and DSAs to ensure a healthy business pipeline.

- Understand clients' financial needs and propose suitable credit and banking solutions.

Client Relationship Management

- Develop and nurture long-term client relationships in the Emerging Corporate segment.

- Cross-sell banking products to enhance client value and portfolio profitability.

- Strengthen existing client relationships and ensure superior service delivery.

- Structure customized credit facilities such as working capital, overdrafts, term loans, and structured finance.

- Prepare Term Sheets and Proposal Notes and coordinate internal approvals.

- Assess client risk, monitor financial performance, and manage collections.

- Drive portfolio growth and achieve revenue targets for Net Interest Income (NII) and fee income.

- Monitor portfolio health and ensure compliance with risk and credit policies.

Compliance & Documentation:

- Ensure adherence to all audit, regulatory, and internal compliance requirements.

- Manage documentation, disbursal, and reporting in line with company standards.

Key Skills & Competencies:

- Strong understanding of corporate lending, credit assessment, and financial analysis

- Proven track record in business development and client acquisition

- Excellent relationship management, negotiation, and presentation skills

- Deep knowledge of working capital finance and term loan products

- Result-oriented with strong analytical and problem-solving ability