Relationship Manager - Commercial Banking

Job Description

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