Relationship Manager

About the Role

• Job Title: Relationship Manager
• Reporting To: Senior Relationship Manager / Team Leader
• Job Code ID: NA
• Business Unit: Financial Institutions
• Grade/ Level: Upto G6
• Sub Business Unit: Financial Institutions
• Management Band: Middle/Junior Management
• Location: PAN India

Role Summary

The role holder is responsible for assisting Senior Relationship Manager / Team Leader in increasing sales and revenue through management of new and existing clients by selling/cross-selling wholesale banking products and services to Financial Institutions clients.

Key Responsibilities

• Market Assessment and Business Development
• Conducts market research to identify new business opportunities in target segments, including Mutual Funds, Insurance Companies, and Insurance Brokers.
• Participates in meetings with key customers, promoters, and prospective customers to understand their needs and propose solutions.
• Maintains and enhances relationships with key customer accounts and prospective customers.
• Manages complex relationships independently, under supervision.
• Revenue Generation
• Identifies new sales opportunities and utilizes a sector-driven relationship approach to enhance sales and revenue generation.
• Focuses on product/industry-specific business opportunities to achieve budget.
• Ensures seamless coordination between customers and the relationship manager.
• Portfolio Management
• Ensures clients' financial requirements are addressed effectively.
• Conducts research and collates data for preparing credit proposals.
• Coordinates with CAD and other stakeholders for timely proposal approvals.
• Credit Appraisal
• Performs credit assessment and Credit Approval Memorandum (CAM) preparation through detailed analysis.
• Coordinates with Risk Management to ensure adherence to credit guidelines.
• Documentation and Compliance
• Completes all documentation and CRM updates to ensure adherence to guidelines and maintenance of quality standards.
• Coordinates with relevant Business Units (BUs) for smooth transaction turnaround.
• Self-Management
• Defines and monitors performance goals with the reporting manager.
• Identifies and bridges development needs.
• Develops and displays relevant role competencies.
• Stays updated on professional/industry developments.
• Risk and Internal Control
• Follows risk policies and processes to mitigate operational, regulatory, financial, informational, reputational, and audit risks.
• Executes internal control systems and compiles information for departmental audits.

Key Interactions

• Internal Interactions
• Risk Management: For coordinating on risk management aspects of deals.
• CMS: For coordinating on technology-related aspects of client interfaces.
• CAD: For coordinating the issuance of facility letters (FL) and understanding CAM changes.
• TBG: For ensuring smooth customer transaction experiences.
• External Interactions
• Customers: For building and maintaining relationships, seeking new business opportunities, and understanding financial needs.

Knowledge & Experience

• Minimum Qualifications:
• Master’s degree: CA/MBA/PGDM
• Experience:
• A minimum of 0-5 years of relevant experience.
• At least 0-3 years in a similar role.
• Nature of Experience:
• Prior experience in the BFSI sector or general industry in a Relationship Manager role.
• OR prior experience as a Credit Analyst in the financial services industry with a passion for relationship management.
• Language Skills:
• Written and spoken English is essential.
• Knowledge of local language in regional markets is beneficial.