Loking for highly analytical Relationship Manager (RM) - Wholesale Financial Institutions to join our Banks and Financial Institutions Group. In this critical corporate role, you will be the primary custodian of high-value institutional relationships, managing an extensive portfolio of large banks and similar entities across India.

Your core objective will be to originate and manage large credit exposures, optimize the bank's wallet share through specialized product cross-selling, and deliver complex cross-border, syndicated, and structured financing solutions.

Key Responsibilities

- Structured Finance & ECB Origination: Identify, structure, and execute complex offshore and cross-border financing, including External Commercial Borrowings (ECBs), structured trade credit, and asset-backed financing for Financial Institution (FI) clients.

- Loan Syndications: Lead and participate in large-scale FI Loan Syndications, managing end-to-end mandates from pitch and underwriting to information memorandum formulation and distribution within the inter-bank market.

- Portfolio Management & Growth: Manage and scale an existing portfolio of Tier-1 financial institutions while aggressively targeting and onboarding new institutional clients.

- End-to-End Credit Delivery: Drive the credit underwriting process by preparing comprehensive Credit Appraisal Memos (CAMs), executing deep-dive financial analysis, and defending proposals before the central credit risk committee.

- Revenue Optimization (Cross-Selling): Partner with product desks to cross-sell high-yield institutional solutions, including Corporate Banking, Treasury Forex, Cash Management Services (CMS), Escrow, Debt Capital Markets (DCM), and Trade Finance.

- Portfolio Monitoring & Asset Quality: Maintain excellent asset quality by tracking market news and information, covenant compliance, identifying early warning signals, and conducting periodic portfolio reviews to mitigate NPA risks.

- Regulatory Alignment: Ensure strict adherence to RBI circulars, FEMA regulations, ECB framework guidelines, AML/KYC mandates, and internal institutional risk policies.

Performance Metrics / Success Criteria (KPIs)

- Asset & Liability Book Growth: Drive incremental growth in Average Assets Under Management (AUM) and scale institutional liabilities.

- Revenue & Wallet Share Generation: Meet annual targets for Net Interest Income (NII) and Fee Income per account while increasing wallet share across Treasury and Trade Finance.

- Structured Finance Execution: Secure mandates and hit fee-income targets specifically generated from Loan Syndications, ECB volumes, and structured credit transactions.

- Credit Quality & Portfolio Health: Maintain Zero Net Non-Performing Assets (NPAs) across the assigned portfolio through timely annual credit reviews and proactive covenant tracking.

- New Client Acquisition: Successfully onboard a targeted number of high-potential Tier-1 / Tier-2 Banks, FIs and Mutual Funds annually to expand the bank's active footprint.

Candidate Requirements

Education & Experience

- Qualifications: Post Graduate Degree in Finance (MBA Finance / PGDM from a premier business school), Chartered Accountant (CA), or CFA Charter holder.

- Experience: 8 to 12 years of proven experience in Wholesale Banking, Institutional Coverage (FIG), or Large Corporate Credit within a reputed bank or financial institution.

Technical & Behavioral Skills

- Structured Finance Expertise: Deep technical knowledge of ECB guidelines (RBI), currency hedging, syndication dynamics, and structured asset underwriting. Ability to lead and manage roadshows in India and abroad and in-depth knowledge and expertise of syndication matters as MLABU etc.

- Credit Underwriting: Strong expertise in corporate financial analysis, balance sheet analysis, cash flow modeling, and risk evaluation.

- Market Knowledge: Deep understanding of the Indian financial ecosystem, wholesale banking products, and the macroeconomic factors impacting NBFCs and banks. Strong market connects and peer information.

- Stakeholder Management: Exceptional negotiation, pitching, and relationship-building skills to engage comfortably with CXO-level executives.

- Compliance Literacy: Comprehensive understanding of current RBI regulations governing ECB guidelines, IFSCA regulations, wholesale lending and market operations.