Senior Relationship Manager - Commercial Banking

Job Description

Job Requirements

Role/ Job Title: Senior Relationship Manager-Commercial Banking

Business: Wholesale Banking

Function/ Department: Commercial Banking

Job Purpose

Own end‑to‑end acquisition and relationship management of mid‑corporate clients to deliver sustainable revenue and book growth across assets and liabilities, with a strong focus on new‑to‑bank (NTB) acquisition and activation and on cross‑sell of transaction banking products e.g., Cash Management Services (CMS), Trade Services—and treasury/FX solutions, while maintaining portfolio quality, ensuring compliance with risk policies, and orchestrating seamless service through cross‑functional collaboration

Roles & Responsibilities

• 1.Business Development:
• oAcquire new mid-corporate clients and onboard them successfully
• oAchieve targets for fund-based and non-fund-based products, such as working capital loans, term loans, and trade finance
• oCross-sell products like treasury services, cash management services, forex services, salary accounts, etc.
• 2.Revenue Generation:
• oMeet income targets from interest and fee-based products for both assets and liabilities
• oFocus on increasing wallet share by offering customized solutions to clients
• 3.Client Relationship Management:
• oBuild and maintain strong relationships with key decision-makers in client organizations
• oEnsure high client satisfaction scores through regular engagement and prompt issue resolution
• 4.Risk Management:
• oMonitor the creditworthiness of clients and ensure compliance with the banks risk policies
• oMinimize non-performing assets (NPAs) by maintaining a healthy portfolio
• oEnsure CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts
• 5.Team Collaboration:
• oWork closely with product teams (e.g., treasury services, cash management services, forex services) to meet client needs
• oCoordinate with credit and operations teams for seamless service delivery

Secondary Responsibilities

• Maintain CRM hygiene: log calls/opportunities, update next actions, and keep KYC/periodic reviews current
• Provide market intelligence on sectors/competitors/pricing; contribute to AOP planning and campaigns
• Prepare MIS/portfolio analytics (utilization, profitability, cross‑sell ratios) and present in governance forums
• Support audits and compliance reviews; close observations within agreed timelines
• Represent the bank at client events, trade bodies, and webinars; build brand visibility
• Act as back‑up RM for selected accounts to ensure continuity of service

Qualifications

• Graduate - B.Tech/B.Com/BA/BSc
• Post Graduate - MBA/PGDM or Postgraduate / CA/ICWA (treated as PG‑equivalent for this role)

Years of Experience

• 8-12 years of relevant experience in pvt or public sector bank