Business banking Group- Relationship manager (Working Capital)

ACURA SOLUTIONS LTD; Jalandhar; On-site; INR 600,000 - 1,200,000; Full time

Job summary

ACURA SOLUTIONS LTD is seeking a dynamic Relationship Manager for the Business Banking Group. You will manage a portfolio of SME/MSME clients, acquire new business, and tailor banking solutions to meet their needs.

You will build long-term relationships, drive revenue through working capital, loans, and core services, and ensure compliance with KYC and regulatory guidelines while exploring cross-selling opportunities across the bank's product portfolio.

Qualifications

• 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.

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.

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

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