Relationship Manager - Business Banking
- Prov Hr Solutions
- 3 - 8 years
- Ludhiana
- 3 months ago
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Job Description
Job Title
Working Capital Relationship Manager
Reporting To
Zonal Head / Regional Manager / Head MSME / Head Business Banking (as per hierarchy)
Location
Assigned territory / branch / region (as per banks requirement)
Experience
Job Location : Pan India
Typically 3 8 years of relevant experience in lending / working capital / business banking (MSME / commercial)
Preferably experience in handling credit proposals, portfolio management, and business development in a bank or NBFC
Key Responsibilities
- Business Acquisition & Growth
- Source, acquire, and onboard new clients (especially SMEs / MSMEs / Corporate) for working capital products (CC, OD, WCDL, STL, etc.).
- Achieve targets in terms of loan disbursements, credit limits, and revenue (interest + fee income).
- Develop lead pipelines through market research, referrals, industry contacts, channel partners, DSAs, etc.
- Portfolio Management
- Monitor and maintain the health of the working capital portfolio.
- Ensure periodic review, renewal, and renewal proposals.
- Early warning monitoring of stress accounts, identifying deteriorations and escalating to credit / recovery in time.
- Manage NPAs, overdue accounts, and ensure timely collections and corrective actions.
- Credit Appraisal & Documentation
- Assess credit proposals: analyze financial statements, cash flows, business models, credit ratings, etc.
- Prepare credit memos / proposals and present to sanctioning authority.
- Ensure proper documentation, compliance with bank policy, KYC, regulatory requirements.
- Coordinate with internal teamsOperations, Legal, Credit, Riskfor smooth sanction and disbursement.
- Crosssell / Upsell
- Identify opportunities to crosssell bank products (e.g. trade finance, term loans, bank guarantees, insurance, working capital term loans, vendor finance) to existing clients.
- Increase share of wallet per client.
- Relationship Management & Client Servicing
- Build strong relationships with clients; act as a trusted advisor.
- Resolve client queries, grievances, and ensure retention and upsell.
- Engage in periodic business reviews with clients, and suggest optimal solutions to their cash flow / working capital needs.
- Coordination & Stakeholder Management
- Liaise with credit, operations, legal, risk, treasury, and branch / regional offices to ensure smooth end-to-end process.
- Work with channel partners, DSAs, business associates for lead generation.
- Ensure turnaround time (TAT) norms are met.
- Market Intelligence & Strategy
- Stay abreast of industry / sector / market trends, competitor offerings, regulatory changes, and economic environment.
- Propose new products or modifications, pricing strategies.
- Provide feedback to management on business conditions, challenges, competitor moves.
- Reporting & MIS
- Provide regular reports: pipeline status, disbursement, portfolio aging, NPAs, margin, revenue, etc.
- Ensure adherence to internal policies, compliance guidelines, audit norms, and regulatory requirements.
Key Skills & Competencies
- Strong credit analysis skills, financial modeling, understanding of cash flows, ratio analysis.
- Understanding of working capital / trade finance / allied products (CC, OD, discounting, WCDL, STL).
- Good relationship building, negotiation, persuasion, and communication skills.
- Customercentric orientation, ability to manage multiple stakeholders.
- Result oriented, target driven, with ability to work under pressure.
- Good knowledge of regulatory & compliance norms (KYC, RBI guidelines, MSME regulations).
- Analytical mindset, risk awareness, due diligence orientation.
- Local market knowledge / network (industry connections).
- Good command over language, presentation skills.
Qualifications
- Bachelor's degree (Commerce / Business / Finance / Economics)
- Preference: MBA / PGDM in Finance / Banking or related specialization (desirable, but
Job Classification
Industry: BankingFunctional Area / Department: Sales & Business DevelopmentRole Category: Retail & B2C SalesRole: Retail & B2C Sales - OtherEmployement Type: Full timeContact Details:
Company: Prov Hr SolutionsLocation(s): Ludhiana
Keyskills: SME Banking ECG Working Capital WC Term Loan Business Banking
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