Business banking Group- Relationship manager (Working Capital)

ACURA SOLUTIONS LTD

Kapurthala

On-site

INR 400,000 - 700,000

Full time

5 days ago

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Job summary

ACURA SOLUTIONS LTD in Kapurthala, Punjab, is seeking a dynamic Relationship Manager for the Business Banking Group. The role focuses on managing and growing relationships with existing and prospective SME customers, acquiring new clients, and offering suitable banking solutions.

You will drive business through Working Capital, Term Loans, Current Accounts, Trade Finance, and other banking products, while coordinating with credit, operations, product, and service teams to ensure smooth

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 preferred.
Strong understanding of Working Capital, Business Loans, Current Accounts, Trade Finance, CMS, and related banking products.

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.
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 customer relationships.
Achieve sales targets and portfolio growth; identify cross-selling opportunities.
Coordinate with credit, operations, product, and service teams; ensure timely credit proposals and documentation.
Monitor portfolio quality, customer transactions, and relationship profitability; ensure KYC/compliance.

Skills

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 Performance Indicators