Relationship Manager

About the role

The Relationship Manager will drive growth by acquiring new small‑enterprise clients and deepening relationships with existing accounts. This role focuses on credit analysis, portfolio hygiene, and cross‑selling a range of banking solutions.

Key responsibilities

• Source new‑to‑bank (NTB) clients in the small enterprise segment (turnover up to ₹150 Cr) through market intelligence and networking.
• Manage and grow the existing client portfolio, ensuring high satisfaction and retention.
• Conduct financial analysis and prepare detailed credit notes for both new and existing clients, aligning proposals with the bank’s credit policies.
• Coordinate with internal credit teams for proposal discussions, approvals, and client communication.
• Maintain portfolio hygiene by overseeing renewals, limit compliance, documentation, and early‑warning monitoring.
• Identify and act on cross‑selling opportunities across trade finance, treasury, cash management, insurance, and working‑capital solutions.

Required profile

• Graduate or postgraduate degree in Finance, Commerce, or a related field.
• 2‑3 years of experience in corporate/SME/ME banking.
• Strong understanding of credit analysis and financial statements.
• Excellent relationship‑management and communication abilities.
• Proven track record of driving business while managing risk effectively.

Required skills

• Credit analysis
• Financial statement analysis