Job Purpose:

Responsible for acquiring new asset relationships, managing a portfolio of 30–40 BBG clients, ensuring high service quality, and driving cross-sell opportunities across the mapped geography. The role demands strong business development, relationship management, and internal coordination to meet business and profitability targets.

Key Responsibilities:

1. Business Development & Acquisition

Acquire new business banking asset relationships through various sourcing channels including branches, leads, and market mapping.
Achieve volume and profitability targets through customer acquisition and deepening existing relationships.
Actively work with branch teams to generate and convert leads; update lead status in CRM and follow defined sales processes.
Identify wallet share and cross-sell opportunities for liabilities, salary accounts, insurance, and investment products.
Ensure strong return on capital and improved portfolio yield.

2. Relationship Management

Maintain and strengthen long-term relationships with BBG customers and their associated entities.
Resolve customer issues related to trade, foreign exchange, asset servicing, and daily banking transactions.
Conduct regular client visits and maintain structured call memos in CRM for effective tracking.
Enhance income per household (IPH) and customer-to-group (CTG) metrics.

3. Credit, Documentation & Disbursement

Coordinate with credit teams for CAM preparation, approvals, and query resolutions.
Oversee documentation and ensure timely deferral closure, legal and technical report tracking, and post-disbursement compliance.
Negotiate terms and pricing with clients while ensuring risk-return alignment.

4. Cross-Functional Coordination

Liaise with internal stakeholders: Credit, Ops, Trade Desk, Treasury, CMS, E-Net, and Salary teams for seamless transaction processing and customer servicing.
Collaborate with other product teams to improve product penetration and customer satisfaction.

5. Compliance & Portfolio Health

Monitor and maintain portfolio health through regular reviews, housekeeping, and timely renewals of facilities.
Manage stress accounts proactively and implement appropriate exit, restructuring, or recovery strategies.
Ensure compliance with KYC, AML, and internal risk guidelines.

Educational Qualifications:

Post-Graduate in Finance / Business Management or Chartered Accountant

Experience:

Minimum 2–3 years of experience in Working Capital / BBG sales and service in a Private Sector Bank

Key Skills:

Strong Financial and Balance Sheet Analysis
Sales, Influencing & Negotiation Skills
Deep Knowledge of Banking Products and SME Segment
Strong Communication & Relationship Management
Problem-Solving & Analytical Thinking
Knowledge of Regulatory Norms and Banking Compliance

Major Stakeholders:

Customers & Promoters
Credit Underwriting Teams
Branch Banking Teams
Operations & Disbursement Units
Legal & Compliance
Treasury, Salary, and CMS Teams
Product & Insurance Teams (Life/General)
Trade & Forex Desk
Retail Assets and Credit Card Teams

Business Banking Relationship Manager Working Capital

Authorizer Trade Finance

AVC:Virtual RM-Priority

Operations/Project Management - Business Analyst I

Branch Manager