Associate Relationship Manager - Commercial Banking

IDFC FIRST Bank; Mumbai; On-site; INR 400,000 - 700,000; Full time

Job summary

IDFC FIRST Bank is looking for a dedicated Associate Relationship Manager in Mumbai to support the Relationship Manager in acquiring and activating clients while driving business growth. The role involves assisting in client proposals, tracking opportunity pipelines, ensuring smooth transaction execution, and maintaining client records. Candidates should have 0 to 4 years of relevant experience, with a graduate or postgraduate degree. This position offers a great opportunity for professional development in commercial banking.

Qualifications

• 0 to 4 years of relevant experience.

Responsibilities

• Assist in preparing client proposals, credit appraisals, and documentation.
• Act as a secondary point of contact for clients, ensuring timely responses to queries.
• Support RMs in meeting balance sheet and income targets.
• Track opportunity pipelines and account activation.
• Ensure smooth execution of transactions, including disbursements.
• Coordinate with internal teams to resolve operational bottlenecks.
• Prepare CAM for NTB and ETB renewals.
• Maintain accurate client records.
• Generate reports for RM and management review.
• Support RM in achieving cross-sell targets.
• Maintain CRM hygiene by logging interactions.
• Prepare meeting notes and action trackers.
• Support audits and compliance reviews.
• Curate sector and competitor intelligence.
• Provide back-up coverage for RM.

Education

Any graduate

Any post-graduate

Job description

Job Title

Associate Relationship Manager – Commercial Banking

Function / Department

Commercial Banking

Job Purpose

Support the Relationship Manager in acquiring and activating clients, driving book growth and fee income, and cross‑selling transaction banking products (CMS, Trade Services) and treasury/FX solutions, while ensuring flawless execution, documentation, and risk/compliance hygiene across the portfolio. Coordinate with product, credit, legal, and operations teams to deliver timely solutions, superior client service, and robust MIS/reporting.

Roles & Responsibilities

• Assist in preparing client proposals, credit appraisals, and documentation.
• Act as a secondary point of contact for clients, ensuring timely responses to queries.
• Support RMs in meeting balance sheet and income targets from interest and fee-based products.
• Track opportunity pipelines and account activation (utilization, first drawdown, wallet ramp-up).
• Ensure smooth execution of transactions, including disbursements and amendments.
• Coordinate with internal teams to resolve operational bottlenecks.
• Prepare CAM for NTB and ETB renewals; monitor covenants for existing contracts.
• Maintain accurate client records, including financial statements and transaction history.
• Generate reports for RM and management review.
• Identify opportunities for cross-selling products like treasury services, CMS, and forex.
• Support RM in achieving cross-sell targets.
• Maintain CRM hygiene by logging interactions, updating opportunities, and ensuring periodic reviews.
• Prepare meeting notes and action trackers; follow through to closure.
• Support audits and compliance reviews; close observations within timelines.
• Curate sector and competitor intelligence; contribute to campaigns and AOP inputs.
• Provide back‑up coverage for RM during leave/travel to ensure service continuity.

Education Qualification

Graduation: Any graduate
Post‑graduation: Any post‑graduate

Experience

0 to 4 years of relevant experience