RM - Service Sector Group

Essential Services : Role & Location fungibility

One Bank, One Team

About the role

As a Relationship Manager – Services Sector Group, you will be responsible for complete sectoral coverage in the area of operations, establishing touchpoints with all corporates, onboarding new clients, and client servicing, including credit appraisal of the corporates. Following the philosophy of Fair to Customer, Fair to Bank you will also be responsible for execution of end to end set processes such as collection and payment solutions, onboarding for digital products, financial analysis, credit appraisal note preparation, loan documentation etc. for the transactions under the guidance of the Senior Relationship Manager. A key responsibility is to work within the guardrails of risk and compliance and focus on customer service to provide Customer 360-degree banking.

Key Responsibilities

• 360° Credit Assessment

  : Expected to understand in detail the client’s business and financials and prepare a quality appraisal note in collaboration with the risk management team. This would also entail offering 360-degree banking solutions to the corporates.

• Collaboration

  : Facilitate the disbursement of funds once sanction is in place through coordination with various internal groups. RM is also expected to complete post-disbursement documentation activities in coordination with control groups such as Legal, Compliance, and Credit Middle Office.

• Portfolio Management :

  Assist the Senior Relationship Manager/ Regional Head in managing a high-quality portfolio of corporate clients. Support them in achieving business targets and onboarding new clients.

• Customer Service :

  Create service excellence by partnering with customers through their life cycle and offer suitable products and services based on their financial needs while being fair to the customer and fair to the bank in all engagements.

• Customized solutions

  : Collaborate with product specialists, subject matter experts, and credit and service teams to ensure right products are offered to the customer.

• Behold our values :

  Offer products that are fair to our customers and fair to the bank.

Qualifications & Skills

• Educational Qualification

  : MBA, Chartered Accountants, Engineers & Graduates with relevant work experience in the area of relationship management across industries.

• Communication Skill :

  Good oral and written communication skills.

• Financial Understanding :

  An understanding of the intricacies of financial analysis, the balance sheet, profit and loss accounts, and cash flow statements. Knowledge of basic banking products.

• Synergize with Team :

  Willingness to work with various teams for on-ground support and deliver enablers as required.

• Improvise :

  Develop suitable process in-line with the requirements of the customer and the solution that is being offered.

• Market Sensing :

  Monitor and evaluate industry trends, customer drivers and potential partnerships.

About the Business Group

The Bank’s wholesale banking group manages wide range of clients which includes large private sector business houses and companies, financial institutions and banks, public sector undertakings and Central and State government entities. The group also has a strong franchise among Multi-National Corporations (MNCs), real estate companies, IT & ITES and new-age services companies, along with a strong franchise in the financial sponsors space with special focus on private equity funds and their investee companies. Additionally, it also caters to the requirements of the capital market and custody participants through unique digital solutions improving their operational efficiency.