Relationship Manager - Commercial Banking

Job Requirements

About the Role

As a Relationship Manager – Commercial Banking, you will be responsible for acquiring and managing mid-corporate clients to drive sustainable revenue and portfolio growth across assets and liabilities. The role emphasizes new-to-bank (NTB) acquisition, cross-selling transaction banking products (such as Cash Management Services, Trade Services), and offering treasury/FX solutions. You will ensure portfolio quality, compliance with risk policies, and deliver exceptional client experience through collaboration with internal teams.

Key Responsibilities

Primary Responsibilities

Business Development

• Acquire and onboard new mid-corporate clients
• Achieve targets for fund-based and non-fund-based products (working capital loans, term loans, trade finance)
• Cross-sell products such as treasury services, CMS, forex, and salary accounts

Revenue Generation

• Meet income targets from interest and fee-based products
• Increase wallet share by offering tailored solutions

Client Relationship Management

• Build and maintain strong relationships with key decision-makers
• Ensure high client satisfaction through regular engagement and timely issue resolution

Risk Management

• Monitor client creditworthiness and ensure compliance with risk policies
• Minimize NPAs by maintaining a healthy portfolio
• Prepare CAM for NTB and ETB renewals; monitor covenants for existing contracts

Collaboration

• Work closely with product, credit, and operations teams for seamless service delivery

Secondary Responsibilities

• Maintain CRM hygiene by logging calls, updating opportunities, and ensuring KYC compliance
• Provide market intelligence on sectors, competitors, and pricing; contribute to AOP planning
• Prepare MIS and portfolio analytics (utilization, profitability, cross-sell ratios) for governance forums
• Support audits and compliance reviews; close observations within timelines
• Represent the bank at client events, trade bodies, and webinars to enhance brand visibility
• Act as backup RM for selected accounts to ensure continuity of service

What We Are Looking For

Education

Graduate Degree: B.Tech/B.Com/BA/BSc from an accredited university (full-time)

Postgraduate (Preferred): MBA/PGDM or CA/ICWA (Premier/Tier I preferred; Tier II/III considered based on profile)

Experience

6–12 years of relevant experience in mid-corporate/commercial banking in private or public sector banks

Skills and Attributes

Technical Skills

Strong knowledge of banking products, credit and financial analysis, and regulatory compliance

Proficiency in advanced MS Excel, PowerPoint, CRM systems, and LOS/LMS platforms

Functional Skills

Stakeholder management, term sheet negotiation, pipeline management, proposal writing, and process improvement

Behavioral Skills

Customer-centric mindset, strong communication (verbal and written), resilience, adaptability, collaboration, and ownership