Business banking Group- Relationship manager (Working Capital)

ACURA SOLUTIONS LTD; Amritsar; On-site; INR 600,000 - 1,000,000; Full time

Job summary

ACURA SOLUTIONS LTD is seeking a dynamic Relationship Manager for the Business Banking Group to manage and grow a portfolio of SME/business clients. You will acquire new customers, understand their financial requirements, and offer suitable banking solutions across working capital, loans, current accounts, trade finance, and CMS.

You will build lasting relationships, coordinate with credit and operations, ensure timely credit proposals, achieve sales targets, and look for cross-selling

Qualifications

• Graduate/Postgraduate with relevant experience in Business Banking or SME Banking.
• Experience in acquiring and managing business banking customers preferred.
• Strong understanding of working capital, loans, current accounts, and trade finance.

Responsibilities

• Manage and develop a portfolio of Business Banking/SME customers.
• Acquire new business customers through market mapping, referrals, networking, and direct sourcing.
• Build strong relationships with SME, MSME, and business clients.
• Understand customer business models, financial requirements, and banking needs.
• Drive business through Working Capital, Term Loans, Business Loans, Current Accounts, Trade Finance, Forex, CMS, and other banking products.
• Generate quality leads and convert prospects into profitable customer relationships.
• Achieve assigned sales, revenue, portfolio growth, and acquisition targets.
• Coordinate with credit, operations, product, and service teams for smooth processing.
• Ensure timely submission of credit proposals and required documentation.
• Monitor portfolio quality, customer transactions, and profitability.

Skills

Relationship Management

Sales

Negotiation

Communication

Market Mapping

Portfolio Management

Cross-Selling

Business Banking

Education

Graduate/Postgraduate in Business/Finance

Job description

Job Description Relationship Manager Business Banking Group

Position: Relationship Manager Business Banking

Department: Business Banking Group

Function: Business Banking / SME Banking

Role Type: Sales Relationship Management

About The Role

We are looking for a dynamic and result-oriented Relationship Manager Business Banking to manage and grow relationships with existing and prospective business customers. The role involves acquiring new clients, managing a portfolio of business banking customers, understanding their financial requirements, and offering suitable banking solutions.

Key Responsibilities

• Manage and develop a portfolio of Business Banking / SME customers .
• Acquire new business customers through market mapping, referrals, networking, and direct sourcing.
• Build strong and long-term relationships with SME, MSME, and business clients .
• Understand customer business models, financial requirements, and banking needs.
• Drive business through Working Capital, Term Loans, Business Loans, Current Accounts, Trade Finance, Forex, CMS, and other banking products .
• Generate quality leads and convert prospects into profitable customer relationships.
• Achieve assigned sales, revenue, portfolio growth, and acquisition targets .
• Identify cross-selling and up-selling opportunities across the bank's product portfolio.
• Coordinate with credit, operations, product, and service teams for smooth processing of customer requirements.
• Ensure timely submission of credit proposals and required customer documentation.
• Monitor portfolio quality, customer transactions, and overall relationship profitability.
• Ensure compliance with KYC, credit, risk, and regulatory guidelines .
• Conduct regular customer meetings and maintain strong engagement with key decision-makers.
• Monitor competitor activities and identify new business opportunities within the assigned market.

Candidate Profile

• Graduate/Postgraduate with relevant experience in Business Banking, SME/MSME Banking, Commercial Banking, or Relationship Management .
• Experience in acquiring and managing business banking customers will be preferred.
• Strong understanding of Working Capital, Business Loans, Current Accounts, Trade Finance, CMS, and related banking products .
• Excellent communication, negotiation, presentation, and relationship-management skills.
• Strong sales orientation with a proven ability to achieve business targets.
• Good knowledge of the local business market and customer ecosystem.
• Ability to generate business through direct sourcing, references, and market visits .

Key Skills

Business Banking | SME/MSME Banking | Relationship Management | Customer Acquisition | Working Capital | Current Accounts | Trade Finance | CMS | Business Loans | Cross-Selling | Portfolio Management | Sales Business Development

Key Performance Indicators

• New customer acquisition
• Business banking portfolio growth
• Revenue and fee income generation
• CASA and liability growth
• Working capital / loan book growth
• Cross-sell and product penetration
• Customer retention and relationship profitability

Location: As per business requirement

CTC: As per company norms / Based on experience and profile