Relationship Manager - Business Banking

ICICI Bank; Gujarat; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

ICICI Bank's Retail Banking Group seeks a Relationship Manager - Business Banking to engage with MSME and mid-size corporate clients, delivering 360-degree banking solutions. You will coordinate with product specialists, credit and service teams to tailor offerings and ensure quick client turnarounds.

You will drive deposits and loan growth through proactive cross-selling and market expansion, while maintaining portfolio quality and upholding ICICI Bank's Fair to Customer, Fair to Bank values.

Qualifications

• Education qualifications include MBA, CA, engineers or graduates with relevant work experience in relationship management.
• Willingness to work with various teams across the bank.
• Ability to develop sales and customer relationship strategy and processes.

Responsibilities

• Provide 360-degree banking solutions to MSME and mid-size corporate clients.
• Collaborate with bank teams to ensure quick turnaround for client requirements.
• Grow deposits and loan books through cross-selling and tailored solutions.
• Maintain loan portfolio quality and perform due diligence on business flows.
• Work to uphold ICICI Bank's Fair to Customer, Fair to Bank values.

Skills

Customer relationship management

Sales strategy

Communication skills

Team collaboration

Market sensing

Education

MBA

Chartered Accountant

Engineer or graduate with relevant experience

Job description

At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service. While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature.

About the role

At ICICI Bank, you get an opportunity to engage with high-value customers of ICICI Bank and offer 360 degree-banking solutions. As a Relationship Manager - Business Banking, you will have the opportunity to provide banking solutions for Micro, Small, and Medium Enterprises (MSME) and mid-size corporates. You will collaborate with various teams within the Bank to ensure a quick turnaround time for all client requirements. You will continuously strive to extend our market reach through expert discovery and exploration of new and untapped business opportunities and relationships. Following the Bank’s philosophy of Fair to Customer, Fair to Bank, you will take the initiative and help ICICI Bank to become the preferred Bank amongst the target group. Key accountabilities include customer feedback and defined business outcomes.

Key Responsibilities

• Customer Service: Create service excellence by collaborating with customers through their life cycle and offering suitable products and services based on their finances.
• Business Development: Ensuring growth in Deposits and Loan books by offering 360-degree banking solutions that meet the needs of our customers.
• Cross Selling & Collaboration: Offer products based on customer needs while collaborating with other teams in the bank for suitable product offerings.
• Enhance the portfolio quality: Maintain the quality of the loan book and conduct due diligence on the business flows and overdue.
• Customized Solutions: Collaborate with product specialists, subject matter experts, and credit and service teams to ensure structured and customized solutions.
• Behold our values: Work to uphold our core value of being Fair to Customer, Fair to Bank.

Key Qualifications & Skills

• Education Qualification: MBA, Chartered Accountants, Engineers & Graduates with relevant work experience in the area of Relationship Management across industries.
• Synergize with Team: Willingness to work with various teams for on ground support and deliver enablers as required.
• Improvise:Develop and implement overarching sales and customer relationship strategy, sales processes and structure.
• Communication Skill: Good oral and written communication skills.
• Market Sensing: Monitor and evaluate industry trends, customer drivers and potential partnerships.

Few Success Factors

• Building relationships
• Deep understanding of customer needs
• Understanding of credit worthiness
• Knowledge on core offerings

About the Business group

ICICI Bank’s Retail Banking Group serves customer segments consisting of individuals, self-employed professionals, SMEs, proprietors, government, and retail institutions. With widespread presence across the country, our relationship team is dedicated to serving customer needs with a 360-degree approach. ICICI Bank has a unique bouquet of digital solutions covering the diverse banking needs of customers. To facilitate a seamless customer banking experience, we have adopted the ICICI Stack approach. It covers a complete range of banking services from bank accounts, payments, banking transactions, and credit cards to personal, mortgage, vehicle loans, and business & institutional solutions.

Locations:

Mehsana, Rajkot, Vapi, Daman, Silvasa, Saurashtra and Kutch