Job Requirements

Role/ Job Title: Senior Relationship Manager-Commercial Banking

Business: Wholesale Banking

Function/ Department: Commercial Banking

Job Purpose

Own end‑to‑end acquisition and relationship management of mid‑corporate clients to deliver sustainable revenue and book growth across assets and liabilities, with a strong focus on new‑to‑bank (NTB) acquisition and activation and on cross‑sell of transaction banking products e.g., Cash Management Services (CMS), Trade Services—and treasury/FX solutions, while maintaining portfolio quality, ensuring compliance with risk policies, and orchestrating seamless service through cross‑functional collaboration

Roles & Responsibilities

1. Business Development:

Acquire new mid-corporate clients and onboard them successfully
Achieve targets for fund-based and non-fund-based products, such as working capital loans, term loans, and trade finance
Cross-sell products like treasury services, cash management services, forex services, salary accounts, etc.
Revenue Generation:
Meet income targets from interest and fee-based products for both assets and liabilities
Focus on increasing wallet share by offering customized solutions to clients
Client Relationship Management:
Build and maintain strong relationships with key decision-makers in client organizations
Ensure high client satisfaction scores through regular engagement and prompt issue resolution
Risk Management:
Monitor the creditworthiness of clients and ensure compliance with the bank's risk policies
Minimize non-performing assets (NPAs) by maintaining a healthy portfolio
Ensure CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts
Team Collaboration:
Work closely with product teams (e.g., treasury services, cash management services, forex services) to meet client needs
Coordinate with credit and operations teams for seamless service delivery

Secondary Responsibilities

Maintain CRM hygiene: log calls/opportunities, update next actions, and keep KYC/periodic reviews current

Provide market intelligence on sectors/competitors/pricing; contribute to AOP planning and campaigns

Prepare MIS/portfolio analytics (utilization, profitability, cross‑sell ratios) and present in governance forums

Support audits and compliance reviews; close observations within agreed timelines

Represent the bank at client events, trade bodies, and webinars; build brand visibility

Act as back‑up RM for selected accounts to ensure continuity of service

Qualifications

Graduate - B.Tech/B.Com/BA/BSc

Post Graduate - MBA/PGDM or Postgraduate / CA/ICWA (treated as PG‑equivalent for this role)

Years Of Experience

8-12 years of relevant experience in pvt or public sector bank

Senior Relationship Manager - Commercial Banking