BBWC-RM

HDFC Bank Limited; Vadodara; On-site; INR 600,000 - 800,000; Full time

Job summary

HDFC Bank Limited is seeking a Relationship Manager for Business Banking Working Capital. The role focuses on acquiring asset relationships, managing a portfolio of 30-40 BBG clients, and delivering high-quality service to achieve business objectives.

The position emphasizes strong relationship management, sales acumen, and knowledge of banking products for SMEs. Extensive travel to semi-urban/rural areas is required, with moderate travel in urban centers.

Qualifications

• Postgraduate in Finance or CA qualification.
• Strong relationship management and sales skills.
• Analytical ability with understanding of banking/SME sectors.

Responsibilities

• Achieve targets for BBG customers, generate leads, manage CRM, and drive cross-sell.
• Maintain portfolio of 30-40 BBG relationships and monitor performance with product groups.
• Provide daily customer service, including cheque referrals, cash management, and trade transactions.
• Coordinate with branch teams, underwriting, operations to ensure documentation pre- and post-disbursement.

Skills

Relationship management

Sales and influencing

Analytical ability

Interpersonal skills

Negotiation skills

Banking and SME sector knowledge

Education

Postgraduate in Finance

Job description

Job Title

Relationship Manager - Business Banking Working Capital (RM-BBWC)

Business Unit

Business Banking Working Capital

Reporting To

Cluster Head

Job Function and Role Type

Sales, Individual Contributor, Travel Required: Extensive in semi-urban/rural areas, moderate in metros/urban areas.

Version No

Job Purpose

Acquire new asset relationships through various channels and manage a portfolio of 30-40 BBG relationships. Maintain high-net-worth relationship management to deliver quality service and achieve business objectives.

Key Responsibilities

Business Development

Achieve business targets on volumes and profitability for BBG customers; Generate leads through branch interaction, update CRM, and ensure lead conversion; Identify potential customers, enhance product penetration, and strategize with branch teams; Conduct structured client calls, update CRM, and assign tasks to departments; Review portfolio performance with product groups and supervisors monthly; Ensure documentation pre- and post-disbursement and cross-sell liabilities, corporate salary accounts, and other products.

Customer relationship management

Build relationships with internal and external customers to ensure satisfaction; Prepare customer profiles, identify cross-sell opportunities, and resolve queries; Negotiate rates and charges with customers; Provide daily customer service, including cheque referrals, cash management, and trade transactions.

Education:

Postgraduate in Finance or Chartered Accountant.

Certifications:

None specified.

Key Competencies

Relationship management, sales and influencing, analytical ability, interpersonal and negotiation skills, understanding of banking and SME sectors.

Major Stakeholders

Customers, credit underwriting team, branch banking team, operations, treasury, legal and audit, and other cross-functional teams.

Required Skills

Refer to the Job Description