Job Description:

We are seeking a dynamic and result-oriented Working Capital Relationship Manager (BBG RM) to manage and grow a portfolio of Business Banking Group (BBG) clients. The role involves acquiring new business relationships, managing existing client portfolios, and delivering customized working capital and trade finance solutions to support client growth while ensuring sound credit quality and risk management.

The ideal candidate should possess strong relationship management skills, sound credit knowledge, and experience in working capital financing for SME and mid-market clients.

Key Responsibilities:

1. Business Development & Relationship Management:

- Acquire new BBG clients and expand the bank's working capital portfolio.

- Build and maintain strong relationships with existing clients to drive business growth and customer retention.

- Understand client business models, financial requirements, and growth plans to provide tailored banking solutions.

- Act as a trusted advisor and primary point of contact for clients.

2. Working Capital & Trade Finance Solutions:

- Structure and offer working capital facilities including Cash Credit (CC), Overdraft (OD), Letter of Credit (LC), Bank Guarantees (BG), and Trade Finance Solutions.

- Identify opportunities to enhance client funding structures and optimize banking relationships.

3. Credit Assessment & Risk Management:

- Conduct detailed financial analysis, credit evaluation, and risk assessment of prospective and existing clients.

- Analyze financial statements, cash flows, banking behavior, and business performance.

- Prepare and present credit proposals in line with internal policies and regulatory requirements.

- Ensure adherence to credit risk frameworks and portfolio quality standards.

4. Portfolio Management:

- Monitor portfolio performance and maintain asset quality.

- Ensure timely renewal of credit facilities and compliance documentation.

- Track repayments, collections, and early warning signals to proactively manage risks.

- Coordinate with internal teams to resolve operational and credit-related issues.

5. Cross-Selling & Revenue Generation:

- Drive cross-selling of banking products and services including CASA, Forex Services, Treasury Products, Transaction Banking Solutions, and Digital Banking Products.

- Achieve business targets across liabilities, assets, and fee-based income streams.

6. Compliance & Governance:

- Ensure compliance with bank policies, regulatory requirements, KYC norms, and risk management guidelines.

- Maintain high standards of documentation, process adherence, and audit readiness.

Eligibility Criteria:

- Graduate or Postgraduate in Finance, Banking, Commerce, Business Administration, or a related discipline.

- 3-8 years of experience in Business Banking, SME Banking, Commercial Banking, or Working Capital Financing.

- Experience managing working capital facilities and trade finance products for business clients.

Required Skills:

- Strong relationship management and business development capabilities.

- Sound understanding of working capital products, trade finance, and banking operations.

- Expertise in financial statement analysis, credit appraisal, and risk assessment.

- Strong analytical and problem-solving skills.

- Excellent communication, presentation, and negotiation abilities.

- Ability to manage client portfolios and achieve business growth targets.

- Knowledge of regulatory guidelines, credit policies, and banking compliance requirements.

Preferred Skills:

- Experience handling SME, Mid-Market, or Business Banking clients.

- Knowledge of forex, treasury, and transaction banking products.

- Strong local market understanding and business network.

- Proven track record of portfolio growth and client acquisition.