Business banking Group- Relationship manager (Working Capital)

ACURA SOLUTIONS LTD; Thane; On-site; INR 600,000 - 900,000; Full time

Job summary

ACURA SOLUTIONS LTD. is seeking a Relationship Manager for the Business Banking Group in Thane. You will manage and grow a portfolio of SME/SMB clients, acquire new business customers, and deliver banking solutions tailored to their needs.

The role requires strong knowledge of working capital, loans, current accounts, trade finance, and CMS, with excellent communication and negotiation skills to achieve targets and drive revenue growth.

Qualifications

• Graduate or postgraduate with relevant experience in Business Banking/SME Banking.
• Experience in acquiring and managing business banking customers.
• Strong knowledge of Working Capital, Business Loans, Current Accounts, Trade Finance, CMS.
• Excellent communication, negotiation, presentation, and relationship-management skills.
• Proven track record of meeting sales targets.

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, long-term relationships with SME, MSME, and business clients.
• Understand customer business models and banking needs.
• 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.
• Achieve sales, revenue, and portfolio growth targets.
• Identify cross-selling opportunities across the bank's portfolio.
• Coordinate with credit, operations, product and service teams for documentation.
• Ensure timely submission of credit proposals and customer docs.
• Monitor portfolio quality and profitability.
• Ensure compliance with KYC, credit, risk, and regulatory guidelines.
• Conduct regular customer meetings with key decision-makers.
• Monitor competitor activities and identify opportunities in the market.

Skills

Relationship Management

Customer Acquisition

Sales

Communication Skills

Negotiation

Education

Graduate/Postgraduate in Business Banking/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