Job Requirements:

Role/ Job Title: Senior Relationship Manager-Commercial Banking for one of the Leading Banks

Business: Wholesale Banking

Function/ Department: Commercial Banking

Location: Chennai, Hyderabad

Job Purpose:

Own end-to-end acquisition and relationship management of mid-corporate clients to deliver sustainable revenue and book growth across assets and liabilities, with a strong focus on new-to-bank (NTB) acquisition and activation and on cross-sell of transaction banking products e.g., Cash Management Services (CMS), Trade Services-and treasury/FX solutions, while maintaining portfolio quality, ensuring compliance with risk policies, and orchestrating seamless service through cross-functional collaboration

Roles & Responsibilities:

1. Business Development:

- Acquire new mid-corporate clients and onboard them successfully

- Achieve targets for fund-based and non-fund-based products, such as working capital loans, term loans, and trade finance

- Cross-sell products like treasury services, cash management services, forex services, salary accounts, etc.

2. Revenue Generation:

- Meet income targets from interest and fee-based products for both assets and liabilities

- Focus on increasing wallet share by offering customized solutions to clients

3. Client Relationship Management:

- Build and maintain strong relationships with key decision-makers in client organizations

- Ensure high client satisfaction scores through regular engagement and prompt issue resolution

4. Risk Management:

- Monitor the creditworthiness of clients and ensure compliance with the bank's risk policies

- Minimize non-performing assets (NPAs) by maintaining a healthy portfolio

- Ensure CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts

5. Team Collaboration:

- Work closely with product teams (e.g., treasury services, cash management services, forex services) to meet client needs

- Coordinate with credit and operations teams for seamless service delivery

Secondary Responsibilities:

- 'Maintain CRM hygiene: log calls/opportunities, update next actions, and keep KYC/periodic reviews current

- Provide market intelligence on sectors/competitors/pricing; contribute to AOP planning and campaigns

- Prepare MIS/portfolio analytics (utilization, profitability, cross-sell ratios) and present in governance forums

- Support audits and compliance reviews; close observations within agreed timelines

- Represent the bank at client events, trade bodies, and webinars; build brand visibility

- Act as back-up RM for selected accounts to ensure continuity of service

Qualifications:

- Graduate - B.Tech/B.Com/BA/BSc

- Post Graduate - MBA/PGDM or Postgraduate / CA/ICWA (treated as PG-equivalent for this role)

Years of Experience:

- 10 - 15 years of relevant experience in pvt or public sector bank