Job
Description
The Relationship Manager will be responsible for acquiring and supporting clients in the high-growth middle-market segment (?100-1000 crore turnover). The role involves offering a comprehensive suite of banking products, managing client relationships, and ensuring revenue generation while maintaining compliance with internal policies and regulatory requirements. Key Responsibilities Revenue Generation Achieve business objectives related to earnings, asset and liability growth, credit quality, and revenue generation across all banking products. Relationship Management Acquire new client relationships by understanding their financial needs and offering tailored banking solutions. Manage client relationships by handling deal structuring, negotiations, and closing transactions. Assess banking needs and risks, ensuring a balanced risk-reward approach for the Bank. Communication & Market Positioning Promote the Bank's brand and communicate product positioning effectively to differentiate its offerings in the market. Conduct market research to stay updated on consumer trends, competition, and industry developments. Credit Appraisal & Risk Assessment Conduct detailed financial analysis, including income statements, balance sheets, financial ratios, and cash flow assessments. Evaluate management risks, industry risks, and economic conditions to support credit decision-making. Documentation & Compliance Ensure high-quality documentation and adherence to compliance standards across all transactions. Work closely with product teams, risk management, and operations to streamline processes and mitigate risks. Self-Management & Learning Set and achieve performance goals in collaboration with the reporting manager. Take initiative in continuous learning and professional development. Stay updated on industry trends, regulatory changes, and best practices. Risk & Internal Control Responsibilities Adhere to risk policies and processes to mitigate operational, regulatory, financial, reputational, and audit risks. Maintain proper documentation and provide necessary information for internal audits. Key Interactions Internal Stakeholders Risk Management: Collaborate on risk mitigation strategies (Daily). Cash Management Services (CMS): Coordinate on technology aspects for client interfaces (Daily). Credit Administration Department (CAD): Ensure smooth processing of credit approvals and modifications (Daily). Transaction Banking Group (TBG): Facilitate seamless client transactions (Daily). Legal Team: Ensure compliance with legal frameworks and mitigate potential risks (Daily). External Stakeholders Clients: Understand financial needs and provide suitable banking solutions (Daily). Vendors/Dealers: Build partnerships for business development (As required). Competencies & Key Performance Indicators Behavioral Competencies Customer Focus: Understands customer needs and delivers tailored solutions. Professional Entrepreneurship: Takes proactive ownership of responsibilities. Drive for Results: Works with urgency to achieve business targets. Influence & Impact: Persuades stakeholders effectively to achieve desired outcomes. Quality Focus: Ensures adherence to high-quality standards and process improvements. Technical Competencies Strong verbal and written communication skills. Knowledge of banking products such as savings accounts, current accounts, and term deposits. Ability to analyze customer behavior and market trends. This version ensures clarity, professionalism, and readability while maintaining all critical details. Let me know if you need further refinements!
