Working Capital Relationship Manager

A Working Capital Relationship Manager at AU Bank is responsible for acquiring and managing a portfolio of clients by providing appropriate working capital solutions like cash credit, term loans, and letters of credit. Key duties include building strong relationships with clients, managing the credit-granting process, and cross-selling additional banking products to grow the portfolio's profitability. The role requires strong financial acumen, sales expertise, and a deep understanding of client businesses to ensure both client satisfaction and portfolio hygiene. Key responsibilities

• Client Acquisition:

  Source new clients, particularly in the medium enterprise segment (turnover up to 100 Cr).

• Relationship Management:

  Cultivate and deepen existing client relationships through proactive engagement, regular meetings, and high-caliber service to ensure client trust and satisfaction.

• Working Capital Solutions:

  Understand client business needs and cash flows to provide suitable fund-based and non-fund-based working capital products, including cash credit, demand loans, buyers' credit, and letters of credit.

• Portfolio Growth:

  Increase the book size and profitability of the assigned portfolio by identifying opportunities for cross-selling other products like current accounts, term deposits, and transaction banking.

• Credit and Risk Management:

  Take accountability for the credit-granting process, including credit reviews, assessing creditworthiness, and identifying potential problem accounts early on.

• Risk Mitigation:

  Formulate and implement appropriate risk-mitigating strategies to manage the portfolio effectively.

• Market Engagement:

  Build relationships with key client personnel, such as CFOs and promoters, in target segments.

Qualifications and skills

• Bachelor's degree in Business, Finance, or a related field.
• A minimum of 2-3 years of experience in banking or financial services, with credit experience being a plus.
• Strong knowledge of various banking products and services, particularly those related to working capital.
• Proven sales expertise and strong negotiation skills.
• Excellent interpersonal and communication skills.
• Strong quantitative skills and attention to detail.
• Local market knowledge.
• Willingness to travel extensively to client sites.

  Role & responsibilities

Preferred candidate profile