Business Banking Relationship Manager

Headcounts Hr; Pune District; Presencial; INR 900.000 - 1.500.000; Jornada completa

Descripción de la vacante

HDFC Bank is seeking a BBG RM to manage and grow relationships with business banking customers, acquiring new clients and delivering banking solutions across working capital, loans, deposits and related products.

The role requires strong customer engagement, credit understanding, sales capability and portfolio management skills, with responsibilities spanning credit proposals, portfolio monitoring and cross-selling opportunities. Location is flexible per business needs.

Formación

• Graduate degree is required; MBA/PGDM in Finance or Marketing may be preferred.
• Experience in Business Banking, SME Banking, Commercial Banking or Relationship Management.
• Experience sourcing and managing SME/business banking customers and secured/unsecured lending.
• Strong understanding of financial statements, credit assessment and banking products.
• Excellent sales, negotiation, customer relationship and communications skills.
• Ability to manage a customer portfolio independently and meet targets.

Responsabilidades

• Acquire new Business Banking/ SME customers through direct sourcing, market visits, referrals and networks.
• Manage and deepen relationships with existing customers and increase wallet share.
• Understand customer business models, financial requirements and banking needs.
• Drive business across working capital, term loans, overdraft, trade finance and deposits.
• Coordinate with credit, ops, product and internal teams for smooth processing and timely proposals.
• Prepare quality credit proposals with financial analysis and supporting docs.
• Monitor portfolio quality, repayment behaviour and post-disbursement requirements.
• Meet assigned revenue, asset and liability targets; cross-sell banking products.
• Maintain regular contact with customers and identify cross-sell opportunities.
• Adhere to KYC/AML requirements and regulatory guidelines.

Conocimientos

Sales skills

Negotiation

Relationship management

Communication skills

Credit assessment

Educación

Graduate degree

MBA/PGDM in Finance or Marketing (preferred)

Descripción del empleo

HDFC BANK

JOB DESCRIPTION

BBG RM Business Banking Group Relationship Manager

Department: BBG RM Business Banking Group Relationship
Manager
Function: Relationship Management & Business Development
RM / Manager (as applicable)
Location: As per business requirement

Role Overview

The BBG RM is responsible for managing and growing relationships with business banking customers, acquiring new clients, deepening existing relationships and delivering suitable banking solutions across working capital, business loans, transaction banking, deposits and related products. The role requires strong customer engagement, credit understanding, sales capability and portfolio management skills.

Key Responsibilities

• Acquire new Business Banking / SME customers through direct sourcing, market visits, referrals and existing networks.
• Manage and deepen relationships with existing business banking customers and increase customer wallet share.
• Understand customer business models, financial requirements, cash flows and banking needs.
• Generate business across working capital, term loans, business loans, overdraft / cash credit, trade finance, deposits and transaction banking products, as applicable.
• Coordinate with credit, operations, product and other internal teams for smooth processing and timely closure of proposals.
• Prepare and submit quality credit proposals with appropriate customer information, financial analysis and supporting documents.
• Monitor portfolio quality, repayment behaviour, documentation, renewals and other post-disbursement requirements.
• Achieve assigned business targets relating to advances, liabilities, fee income, customer acquisition and cross-sell.
• Maintain regular contact with customers and identify opportunities for cross-selling relevant banking products.
• Ensure adherence to the bank's internal policies, KYC / AML requirements, credit norms and regulatory guidelines.

Preferred Candidate Profile

• Graduate degree required; MBA / PGDM in Finance or Marketing may be preferred.
• Relevant experience in Business Banking, SME Banking, Commercial Banking, Relationship Management or similar banking roles.
• Experience in sourcing and managing SME / business banking customers and handling secured / unsecured business lending products.
• Good understanding of financial statements, credit assessment, working capital requirements and banking products.
• Strong sales, negotiation, customer relationship and communication skills.
• Ability to work with business targets and manage a customer portfolio independently.

Key Skills / Naukri Keywords

BBG RM, Business Banking RM, Business Banking Relationship Manager, SME RM, SME Banking, Business Banking, Commercial Banking, Relationship Manager, Business Loan, Working Capital, Cash Credit, Overdraft, Term Loan, LAP, Secured Business Loan, Customer Acquisition, Portfolio Management, Cross Sell, Credit Assessment, Financial Analysis, CASA, Trade Finance, Transaction Banking, SME Sales.

Performance Expectations

• Deliver business growth while maintaining portfolio quality.
• Build long-term relationships with business banking customers.
• Maintain strong sourcing discipline, documentation quality and turnaround time.
• Achieve assigned revenue, asset and liability targets in line with business requirements.

Note: This is a recruiter-ready role description based on the typical scope of a Business Banking Group Relationship Manager. Exact designation, product mix, eligibility criteria, targets and location may vary by HDFC Bank business unit and vacancy.