Commercial Banking Asset Relationship Specialist

5 days ago

Delhi NCR, India beBeeBanking Full time
Job Description:

As a Working Capital Relationship Manager, you will play a pivotal role in acquiring new business relationships and managing a portfolio of clients to drive growth and profitability.

  • Develop and execute strategic plans to acquire new business banking asset relationships through various sourcing channels.
  • Collaborate with branch teams to generate and convert leads; update lead status in CRM and follow defined sales processes.
  • Identify cross-sell opportunities for liabilities, salary accounts, insurance, and investment products.
  • Ensure strong return on capital and improved portfolio yield by leveraging financial and balance sheet analysis skills.
Key Responsibilities:
  • Maintain and strengthen long-term relationships with business banking customers and their associated entities.
  • Resolve customer issues related to trade, foreign exchange, asset servicing, and daily banking transactions.
  • Conduct regular client visits and maintain structured call memos in CRM for effective tracking.
  • Enhance income per household (IPH) and customer-to-group (CTG) metrics by driving sales and deepening existing relationships.
Credit, Documentation & Disbursement:
  • Coordinate with credit teams for CAM preparation, approvals, and query resolutions.
  • Oversee documentation and ensure timely deferral closure, legal and technical report tracking, and post-disbursement compliance.
  • Negotiate terms and pricing with clients while ensuring risk-return alignment.
Cross-Functional Coordination:
  • Liaise with internal stakeholders: Credit, Ops, Trade Desk, Treasury, CMS, E-Net, and Salary teams for seamless transaction processing and customer servicing.
  • Collaborate with other product teams to improve product penetration and customer satisfaction.
Compliance & Portfolio Health:
  • Monitor and maintain portfolio health through regular reviews, housekeeping, and timely renewals of facilities.
  • Manage stress accounts proactively and implement appropriate exit, restructuring, or recovery strategies.
  • Ensure compliance with KYC, AML, and internal risk guidelines.
Required Skills & Qualifications:
  • Post-Graduate in Finance / Business Management or Chartered Accountant
Experience:
  • Minimum 2–3 years of experience in Working Capital / BBG sales and service in a Private Sector Bank
Key Skills:
  • Strong Financial and Balance Sheet Analysis
  • Sales, Influencing & Negotiation Skills
  • Deep Knowledge of Banking Products and SME Segment
  • Strong Communication & Relationship Management
  • Problem-Solving & Analytical Thinking
  • Knowledge of Regulatory Norms and Banking Compliance

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