WBCG:GCG - Relationship Manager-Liabilities

We are looking for a highly skilled and experienced Relationship Manager to join our team in the Wholesale Banking Coverage Group (WBCG) based in Mumbai The ideal candidate will have 2-7 years of experience

• Source new customers to generate revenue for fund-based and non-fund based products
• Strengthen relationships with existing customer base to generate sustained business and identify opportunities for cross-sell
• Ensure prudent portfolio management and diversification of risk in partnership with the Credit Team to achieve portfolio quality
• Implement due processes, guidelines, and Bank's code of conduct in all transactions, sanctions, disbursals, and post-disbursement activities
• Review daily/periodic reports to identify business opportunities and act upon early warning signals highlighted by central teams
• Provide feedback to Risk Management/Product Policy/Process Monitoring Teams for streamlining processes to ensure TAT reduction, risk diversification, and inclusive policy
• Ensure Product Per Customer (PPC) growth in the allocated portfolio in the defined set of products
• Implement Digital initialization taken by the Bank in alignment with GoI/GoM initiatives by critically analyzing cost-benefit to the bank
• Replicate Centrally Sponsored Schemes (CSS) and State-Sponsored Schemes (SSS) across the given portfolio
• Ensure throughput of CDBT & GST taxes from the given portfolio and assist the Nodal officer as needed
• Review existing portfolio and update ReKYC, PAN nos, and Covet compliance as per banking standards

• Graduation or Post-Graduation (MBA preferred) from a recognized institute
• Knowledge of banking CMS/Sector Specific/Liabilities/Customized Banking applications/products and services
• Good communication skills in both English and the Regional language
• Ability to manage complex client situations and risk uncertainty
• Ability to handle pressure and meet deadlines
• Experience in relationship management, corporate lending, and working capital facilities is desirable
• Knowledge of regulatory guidelines and norms
• Understanding of digital transformation and its impact on the ficial industry
• Proficiency in managing multiple priorities in a dynamic environment

The WBCG focuses on doing business with customers such as the Government, Strategic, large and mid-corporates, and SMEs across industries like Infrastructure, Engineering, Chemicals, Oil & Gas, Metals, textiles, etc The Corporate lending business emphasizes generating a higher share of cash flows by providing working capital facilities