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

Work arrangement
No