Relationship Manager

The role holder is responsible for assisting Senior Relationship Manager in increasing sales and revenue through management of new and existing clients by selling /cross-selling wholesale banking products and services to large corporate clients.Core ResponsibilitiesMarket Assessment and Business Development- Conducts market research to understand consumers, competition and current market conditions to help identify new business opportunities.- Participates as and when required in meetings with key customers, promoters, prospective customers to understand customer needs and use that information to propose possible solutions.- Works towards maintaining and enhancing relationships with key customer accounts and prospective customers to ensure business continuity and growth.- Leverages opportunities to manage complex relationships independently, under the overall supervision of Senior Relationship Managers/Team Leaders.Revenue Generation- Identifies new sales opportunities and leveraging a knowledge sector driven relationship approach to enhance sales and revenue generation through new and existing customers for achievement of established targets and objectives.- Targets product/ industry specific business opportunities leading to achievement of the budget and ensures seamless coordination between customer & relationship manager.Portfolio Management and Deal Structuring- Works independently and under the supervision of Senior Relationship Managers/Team leaders in structuring and restructuring of deals to ensure they effectively address the clients’ financial requirement.- Conducts research and collates necessary data for preparing credit proposals in line with customer requirements.- Coordinates with CAD and other relevant stakeholders to ensure proposals/ approvals are approved and followed up in an efficient and timely manner.Credit Appraisal- Credit Assessment and CAM preparation through detailed analysis- Works in close coordination with key stakeholders from Risk Management to ensure adherence to established credit guidelines.Documentation and Compliance- Completes all documentation and CRM updation to ensure adherence to established guidelines and maintenance of highest quality standards of documentation, client communication, process compliance.- Works in close coordination with relevant BUs to ensure smooth and quick turnaround of transactions as and when required.Self-Management Responsibilities- Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year.- Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training.- Understands the competencies relevant to his/her role and works towards displaying as well as developing these effectively.- Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks.Risk and Internal Control Responsibilities- Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager.- Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.Minimum QualificationsMaster’s degree: CA/MBA/PGDMLanguage Skills- Written and spoken English is essential- Knowledge of local language in regional markets is beneficialYears of ExperienceA minimum of 0-5 years of relevant experience with at least 0-3 years in a similar roleNature of ExperiencePrior experience in BFSI sector/General industry in Relationship manager’s role or prior experience as Credit Analyst in financial services industry with a zeal for relationship managementTechnical Competencies- Strong communication skills (Written and verbal)- Ability to penetrate markets, generate new to