Relationship Manager

Please find below the JD for the Relationship Manager role: We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from ₹0 Cr to ₹100 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment with turnover between ₹0 Cr to ₹100 Cr. Identify opportunities through market intelligence, references, and industry networking. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions. Desired Candidate Profile Graduate/Postgraduate in Finance, Commerce, or a related field. 2–4 years of experience in corporate/SME/ME banking. Strong understanding of credit analysis and financial statements. Excellent relationship management and communication skills. Proven ability to drive business and manage risk effectively.