Relationship Manager - SME Corporate Banking

We're Hiring: Relationship Manager - SME / Mid-Market Segment

Client: Leading Indian Bank

Segment: Commercial & Corporate Banking

Location: Mumbai / Hyderabad / Bangalore / Chennai / Kolkata / Ahmedabad / Raipur / Ludhiana / Udaipur / Jaipur

Educational Qualification: CA / CS / MBA (Finance preferred)

About the Role:

- We are looking for a high-performing Relationship Manager (RM) to join the SME / Mid-Market vertical of our reputed banking client.

- This is a strategic client-facing role, responsible for acquiring new clients, managing relationships, and delivering tailored financial solutions to businesses with credit requirements typically above INR 25 Cr.

- The RM will act as a trusted banking partner for mid-sized corporate clients, playing a pivotal role in understanding their financial needs and offering comprehensive banking solutions while ensuring adherence to risk, compliance, and profitability benchmarks.

Key Responsibilities:

Client Acquisition & Portfolio Management:

- Drive new client acquisition in the SME / Mid-Market segment, focusing on clients with borrowing requirements of INR 25 Cr and above.

- Manage and enhance a portfolio of existing clients, ensuring sustained engagement and client satisfaction.

- Leverage market intelligence to identify high-potential leads and business opportunities within the assigned region.

Credit Structuring & Proposal Development:

- Assess client needs and design customized credit solutions aligned with both client objectives and the bank's risk and return framework.

- Ensure optimal structuring of facilities for working capital, term loans, structured finance, and other relevant banking products.

- Prepare detailed credit appraisal notes, financial models, term sheets, and presentations for internal credit approval forums.

Credit Risk Appraisal & Sanction Process:

- Conduct robust financial and credit risk assessments of prospective and existing clients.

- Collaborate with credit teams to resolve queries, justify business rationale, and present cases to senior sanctioning authorities for timely approvals.

- Maintain compliance with internal credit and risk guidelines, ensuring portfolio quality and sustainability.

Execution & Internal Coordination:

- Ensure seamless transaction execution by liaising with internal departments such as legal, credit, operations, compliance, and treasury.

- Drive timely completion of documentation, limit setups, disbursements, and post-sanction compliance activities.

- Maintain meticulous follow-ups for end-to-end transaction lifecycle management.

Relationship Management & Wallet Share Growth:

- Build deep-rooted relationships with client promoters, CFOs, and senior decision-makers to gain trust and increase wallet share.

- Position the bank as a comprehensive financial partner by cross-selling a wide suite of corporate banking products and services.

- Proactively identify and cater to evolving client needs, ensuring long-term client retention.

Portfolio Monitoring & Risk Mitigation:

- Continuously monitor the credit health of the portfolio to ensure early identification of stress or deterioration.

- Take proactive measures to mitigate emerging risks and safeguard asset quality.

- Engage in periodic reviews, financial monitoring, and sectoral risk analysis.

Preferred Skills & Experience:

- Minimum 5-10 years of relevant experience in SME / Mid-Market / Large Corporate banking as a Relationship Manager with a reputed bank or financial institution.

- Strong exposure to structured lending, working capital finance, trade finance, and treasury products.

- Proven ability to independently manage large client relationships and lead end-to-end deal execution.

- In-depth understanding of the local market dynamics in the assigned region.

- Excellent interpersonal, negotiation, and communication skills.

- High level of commercial acumen, analytical ability, and problem-solving orientation.

- Knowledge of Products (Preferred)

- Working Capital, Term Loans, Structured Finance

- Trade Finance, FX, Treasury, Cash Management Services (CMS)

- Supply Chain Finance (SCF), Investment Banking Solutions

- Corporate Salary Solutions, Credit & Debit Cards for Corporates

Why Join?

- Join a leading Indian bank with a strong footprint in SME / Mid-Market Banking.

- Be part of a high-growth, high-visibility segment with clear opportunities for career advancement.

- Collaborate with seasoned professionals in a dynamic and performance-driven environment.

- If you are a relationship-driven banker with a strong credit background and an eye for business growth, we invite you to be part of this exciting journey.