Portfolio Relationship Manager - SME Banking

Company Description

HDFC Bank is India's largest private sector bank, serving over 92 million customers through our extensive network of 8,919 branches and 21,031 ATMs in 3,836 cities and towns. Founded in 1995 and promoted by Housing Development Finance Corporation (HDFC), the bank has grown into a leader in financial services, offering loans, payments, wealth management, and business solutions for individuals and organizations of all sizes. Following a historic 2023 merger with HDFC Ltd, the bank now provides enhanced home loan services and seamless financial solutions to urban and rural customers. HDFC Bank is dedicated to innovative digital banking, customer-centric processes, and making a positive social impact through initiatives like Parivartan, which has touched millions of lives nationwide.

Role Description

The Portfolio Relationship Manager - SME Banking is a full-time, on-site role based in Hyderabad. Responsibilities include managing and enhancing relationships with SME clients, identifying growth opportunities, and providing financial consultation tailored to the specific business needs of each client. The role involves assessing credit requirements, structuring loan products, maintaining portfolio performance, and adhering to regulatory and compliance standards. Additional activities include analyzing financial statements, monitoring market trends, and collaborating with internal teams to ensure customer satisfaction and long-term engagement.

Qualifications

• Strong financial analysis, credit assessment, and portfolio management skills.
• Proficiency in business communication, negotiation, and relationship management.
• Good understanding of SME banking products, credit policies, and lending processes.
• Familiarity with market research, trend analysis, and business development strategies.
• Excellent problem-solving, decision-making, and risk management abilities.
• Relevant work experience in SME banking, or financial services, is highly desirable.
• Bachelor's degree in Finance, Business Administration, or a related field; MBA or additional certifications in Banking or Finance will be advantageous.