Business banking Group- Relationship manager (Working Capital)

ACURA SOLUTIONS LTD; Bathinda; On-site; INR 900,000 - 1,400,000; Full time

Job summary

ACURA SOLUTIONS LTD is seeking a proactive Relationship Manager for our Business Banking Group in India. You will manage a portfolio of SME/MSME clients, acquire new business, and tailor banking solutions to customer needs.

The role demands strong relationship management, sales drive, and cross-functional coordination to ensure end-to-end service delivery. You will engage with key decision-makers, explore working capital and lending opportunities, and help grow the bank's SME customer base while

Qualifications

• Experience in Business Banking, SME/MSME Banking, or Relationship Management is required.
• Ability to acquire and manage business customers and grow the portfolio.
• Strong knowledge of banking products like Working Capital, Loans, Trade Finance, CMS.

Responsibilities

• Manage and develop a portfolio of Business Banking / SME customers.
• Acquire new business customers through market mapping, referrals, networking, and direct sourcing.
• Build long-term relationships with SME, MSME, and business clients.
• Understand customer financial needs and offer suitable banking solutions.
• Drive business through Working Capital, Term Loans, Business Loans, Current Accounts, Trade Finance, Forex, CMS, and other products.
• Generate quality leads and convert prospects into profitable relationships.
• Meet sales, revenue, portfolio growth, and acquisition targets.
• Identify cross-selling opportunities across the bank's product portfolio.
• Coordinate with credit, operations, product, and service teams for smooth processing.
• Ensure timely submission of credit proposals and customer documentation.
• Monitor portfolio quality and profitability, and ensure compliance with KYC and regulatory guidelines.

Skills

Relationship mgmt

Business Banking

SME/MSME Banking

Portfolio management

Sales orientation

Negotiation

Communication skills

Education

Graduate/Postgraduate

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