Relationship Manager

Tata Capital; Mumbai City; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Tata Capital is seeking a results-driven Corporate Banking professional to lead client acquisition and grow the corporate loan book across multiple financing products. You’ll analyze financials, prepare CAMs, and coordinate with Credit, Product, and Operations teams to deliver value to large corporate clients.

Ideal candidates have extensive corporate banking experience, strong relationship management skills, and proficiency in Excel, PowerPoint, CRM, and LOS/LMS platforms.

Qualifications

• Experience in Large Corporate/Corporate Banking relationship management and client acquisition.
• Experience in NTB acquisition, corporate lending and loan-book growth.
• Sound understanding of corporate credit appraisal and financial analysis.
• Proficiency in credit proposal preparation (CAM).
• Exposure to Corporate Loans, Structured Financing, Promoter Financing or Acquisition Finance.

Responsibilities

• Acquire and onboard new-to-bank corporate clients and build a strong pipeline of prospective relationships.
• Drive corporate loan-book growth across products such as Corporate Loans, Promoter Financing, Structured Financing and Acquisition Financing.
• Build and maintain relationships with client decision-makers to increase wallet share.
• Achieve defined interest income, fee income and portfolio growth targets.
• Cross-sell Insurance and Wealth solutions and prepare CAMs per credit policy requirements.
• Analyze client financials and industry information to support credit assessment.
• Monitor creditworthiness and manage portfolio quality in line with risk policies.
• Coordinate with Credit, Product and Operations teams for seamless execution.
• Maintain CRM hygiene and KYC compliance, and prepare MIS/portfolio analytics.

Skills

Relationship management

NTB acquisition

Corporate lending

Financial analysis

Credit proposal

CRM platforms

MS Excel

PowerPoint

Negotiation

Education

MBA/PGDM

CA/ICWA

Tools

LOS/LMS platforms

CRM

Job description

Role & responsibilities

• Acquire and onboard new-to-bank corporate clients and build a strong pipeline of prospective relationships.
• Drive corporate loan-book growth across products such as Corporate Loans, Promoter Financing, Structured Financing and Acquisition Financing.
• Build and maintain strong relationships with key client decision-makers and identify opportunities to increase wallet share.
• Achieve defined interest income, fee income and portfolio growth targets.
• Cross-sell relevant products including Insurance and Wealth solutions.
• Prepare draft credit proposals/CAMs in line with credit policy requirements and maintain high standards of credit analysis.
• Analyze client financials, annual reports, management accounts, industry information and other relevant data to support credit assessment.
• Monitor client creditworthiness, existing covenants and portfolio quality while ensuring adherence to risk policies and minimizing NPAs.
• Work closely with Credit, Product and Operations teams to ensure seamless execution and service delivery.
• Maintain CRM hygiene, ensure KYC compliance and prepare relevant MIS/portfolio analytics covering utilization, profitability and cross-sell ratios.

Preferred candidate profile

• 34 years of relevant experience in Corporate/Commercial Banking with a private/public sector bank, NBFC or credit rating agency.
• Strong preference for candidates with hands‑on experience in Large Corporate/Corporate Banking Relationship Management and client acquisition.
• Demonstrated experience in NTB acquisition, corporate lending and loan‑book growth.
• Sound understanding of corporate credit appraisal, financial analysis and CAM/credit proposal preparation.
• Exposure to corporate lending products such as Corporate Loans, Structured Finance, Promoter Financing or Acquisition Finance would be highly relevant.
• Strong commercial orientation with the ability to drive revenue, fee income, cross‑sell and wallet share.
• Good stakeholder‑management and negotiation capabilities, including coordination with Credit, Product and Operations teams.
• Strong communication, customer orientation, ownership, resilience and adaptability.
• Proficiency in Advanced Excel, PowerPoint, CRM and LOS/LMS platforms.
• Full‑time graduate qualification required; MBA/PGDM or CA/ICWA preferred