The Relationship Manager will be responsible for acquiring and supporting clients in the high-growth middle-market segment (₹100-1000 crore turnover). The role involves offering a comprehensive suite of banking products, managing client relationships, and ensuring revenue generation while maintaining compliance with internal policies and regulatory requirements.
Key Responsibilities
Revenue Generation
- Achieve business objectives related to earnings, asset and liability growth, credit quality, and revenue generation across all banking products.
Relationship Management
- Acquire new client relationships by understanding their financial needs and offering tailored banking solutions.
- Manage client relationships by handling deal structuring, negotiations, and closing transactions.
- Assess banking needs and risks, ensuring a balanced risk-reward approach for the Bank.
Communication & Market Positioning
- Promote the Bank's brand and communicate product positioning effectively to differentiate its offerings in the market.
- Conduct market research to stay updated on consumer trends, competition, and industry developments.
Credit Appraisal & Risk Assessment
- Conduct detailed financial analysis, including income statements, balance sheets, financial ratios, and cash flow assessments.
- Evaluate management risks, industry risks, and economic conditions to support credit decision-making.
Documentation & Compliance
- Ensure high-quality documentation and adherence to compliance standards across all transactions.
- Work closely with product teams, risk management, and operations to streamline processes and mitigate risks.
Self-Management & Learning
- Set and achieve performance goals in collaboration with the reporting manager.
- Take initiative in continuous learning and professional development.
- Stay updated on industry trends, regulatory changes, and best practices.
Risk & Internal Control Responsibilities
- Adhere to risk policies and processes to mitigate operational, regulatory, financial, reputational, and audit risks.
- Maintain proper documentation and provide necessary information for internal audits.
Key Interactions
Internal Stakeholders
- Risk Management: Collaborate on risk mitigation strategies (Daily).
- Cash Management Services (CMS): Coordinate on technology aspects for client interfaces (Daily).
- Credit Administration Department (CAD): Ensure smooth processing of credit approvals and modifications (Daily).
- Transaction Banking Group (TBG): Facilitate seamless client transactions (Daily).
- Legal Team: Ensure compliance with legal frameworks and mitigate potential risks (Daily).
External Stakeholders
- Clients: Understand financial needs and provide suitable banking solutions (Daily).
- Vendors/Dealers: Build partnerships for business development (As required).
Competencies & Key Performance Indicators
Behavioral Competencies
- Customer Focus: Understands customer needs and delivers tailored solutions.
- Professional Entrepreneurship: Takes proactive ownership of responsibilities.
- Drive for Results: Works with urgency to achieve business targets.
- Influence & Impact: Persuades stakeholders effectively to achieve desired outcomes.
- Quality Focus: Ensures adherence to high-quality standards and process improvements.
Technical Competencies
- Strong verbal and written communication skills.
- Knowledge of banking products such as savings accounts, current accounts, and term deposits.
- Ability to analyze customer behavior and market trends.
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