Assistant Relationship Manager-Rural Business Banking

IDFC FIRST Bank; Dhar; On-site; INR 600,000 - 900,000; Full time

Job summary

IDFC FIRST Bank in India seeks an Assistant Relationship Manager for Rural Business Banking. You will drive new customer acquisition, manage liabilities and third‑party products, and ensure strong relationship management with branch banks to optimize cross‑selling within the bank ecosystem.

You will analyze financial statements, assess credit, and oversee portfolio hygiene, renewals, and product deepening across rural branches. PGs are preferred; graduation in relevant fields is required.

Qualifications

• 2-3 years of relevant experience in business banking or working capital financing.
• Knowledge on liability, Third-party products and client relationships, delinquency management, relationship management, and an analytical mindset.
• Understanding of financial statements, credit assessment and title-security documents.
• Experience in sales planning and promotions and marketing initiatives.

Responsibilities

• Responsible for acquiring new customers for business banking with a detailed understanding of credit assessment.
• Knowledge on liability, Third-party products and client relationships, delinquency management, relationship management, and an analytical mindset.
• Managing the portfolio effectively through continuous monitoring of accounts and renewals, enhancement, retention and ensuring portfolio hygiene with minimal open deferral and covenants.
• Develop a superior working relationship with branch banking for cross-leveraging & synergy optimization and work within the overall bank ecosystem with other stakeholders.
• Recommend process changes in order to improve service efficiency and quality across the branch network.
• Demonstrated ability in sales planning and conceptualizing promotions and marketing initiatives.
• Understanding of financial statements, credit Assessment and title-security documents

Skills

Credit assessment

Relationship management

Analytical mindset

Sales planning

Customer acquisition

Portfolio monitoring

Education

Bachelor’s degree in Engineering/Technology/Commerce/Arts/Science

Postgraduate degree preferred

Job description

Job Requirements

Assistant Relationship Manager-Rural Business Banking

Job Title: Assistant Relationship Manager-Rural Business Banking

Business: Rural Banking

Function/ Department: Rural Business Banking

Job Purpose

The role entails providing financial solutions to meet the working requirements of Rural business banking customers and ensuring best-in-class relationship management and customer experience to become their banking partner of choice. The role bearer is responsible for asset NTB client acquisition along with liabilities and Third-Party Products. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing, and deepening.

Roles & Responsibilities

• Responsible for acquiring new customers for business banking with a detailed understanding of credit assessment.
• Knowledge on liability, Third-party products and client relationships, delinquency management, relationship management, and an analytical mindset.
• Managing the portfolio effectively through continuous monitoring of accounts and renewals, enhancement, retention and ensuring portfolio hygiene with minimal open deferral and covenants.
• Develop a superior working relationship with branch banking for cross-leveraging & synergy optimization and work within the overall bank ecosystem with other stakeholders.
• Recommend process changes in order to improve service efficiency and quality across the branch network.
• Demonstrated ability in sales planning and conceptualizing promotions and marketing initiatives.
• Understanding of financial statements, credit Assessment and title-security documents

Key Success Metrics

NTB Business, Quality of Sourcing, Meeting m-o-m activation and productivity target, No Quick Mortality, Activating all assigned branches for leads. Superior TAT and conversion rates, No overdue charge perfection, Ontime renewal, CASA and Fee income generation, Irregularity resolution, Deferral closure, NTB Cases done (including referral from existing customer), Onboarding & Activation, Product deepening.

Educational Qualifications

Graduation: Bachelor’s in engineering / Technology / Math’s / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management.

Post-graduation: PG will be preferred

Professional Qualification: NA

Experience

2-3 years of relevant experience in business banking / working capital financing.