Relationship Manager Business Banking

AU SMALL FINANCE BANK

Gurugram District

On-site

INR 1,200,000 - 1,800,000

Full time

5 days ago

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Job summary

AU Small Finance Bank Limited is seeking a dynamic Relationship Manager in Business Banking to grow our SME portfolio. You will build strong relationships, understand client needs, and offer tailored banking solutions. You will assess credit, manage risk, and collaborate with internal teams to ensure smooth onboarding and servicing.

The role emphasizes client acquisition, portfolio growth, regulatory compliance, and delivering exceptional service to SME clients in the business banking segment.

Qualifications

Experience in business banking or corporate relationship management.
Knowledge of credit appraisal, risk assessment and regulatory compliance.
Proven track record in SME portfolios and sales targets.

Responsibilities

Develop and maintain relationships with existing and prospective business banking clients to offer suitable products.
Identify and acquire new business clients within the SME sector.
Conduct financial analysis and credit assessments to evaluate loan eligibility.
Collaborate with credit, risk and operations to onboard and service clients.
Monitor portfolio quality, collections and risk mitigation.
Advise on cash management, trade finance and other banking solutions.
Achieve sales targets and contribute to growth of the business banking division.
Ensure compliance with regulatory requirements and internal policies.
Prepare reports on portfolio performance and market trends for senior management.
Participate in industry events to enhance brand presence and referrals.

Skills

Relationship Management

Credit Risk Assessment

Financial Analysis

SME Portfolio Management

Sales and Negotiation

Cash Management

Trade Finance

Portfolio Management

CRM Software

Market Networking

Cross-functional Collaboration

Communication Skills

Education

Bachelor’s degree in Finance, Business Administration, or related field

MBA or equivalent postgraduate qualification preferred

Tools

CRM Software

Job description

Group Company:

AU Small Finance Bank Limited

Designation:

Relationship Manager Business Banking

Office Location:

Position description:

#*Position description*#

Primary Responsibilities:

#*Primary Responsibilities*#

Additional Responsibilities:

#*Additional Responsibilities*#

Reporting Team

Reporting Designation: #*Reporting Designation*#
Reporting Department: #*Reporting Department*#

Educational Qualifications Preferred

Category: #*Category*#
Field specialization: #*Field specialization*#
Degree: #*Degree*#
Academic score: #*Academic score*#
Institution tier: #*Institution tier*#

Required Certification/s:

#*Required Certification/s*#

Required Training/s:

#*Required Training/s*#

Required Work Experience

Industry: #*Industry*#
Role: #*Role*#
Years of experience: #*Years of experience*#

Job Brief:

- AU Small Finance Bank Limited is seeking a dynamic and experienced professional to manage and grow our business banking portfolio. This role involves building strong relationships with small and medium enterprises (SMEs), understanding their financial needs, and providing tailored banking solutions to support their growth. The ideal candidate will have a deep understanding of the financial services industry, excellent client management skills, and the ability to drive business growth through strategic sales and service excellence. This position plays a critical role in expanding the bank's footprint in the business banking segment while ensuring compliance with regulatory standards and internal policies.

Responsibilities

Develop and maintain strong relationships with existing and prospective business banking clients to understand their financial needs and offer appropriate banking products and services.
Identify and acquire new business clients by leveraging market insights and networking within the SME sector.
Conduct detailed financial analysis and credit assessments to evaluate client eligibility for various loan products and credit facilities.
Collaborate with internal teams including credit, risk, and operations to ensure seamless onboarding and servicing of business clients.
Monitor and manage the business banking portfolio to ensure asset quality, timely collections, and risk mitigation.
Provide expert advice on cash management, trade finance, and other banking solutions tailored to business clients.
Achieve assigned sales targets and contribute to the overall growth objectives of the bank’s business banking division.
Ensure compliance with all regulatory requirements, internal policies, and audit standards related to business banking operations.
Prepare and present regular reports on portfolio performance, market trends, and client feedback to senior management.
Participate in industry events and community engagements to enhance the bank’s brand presence and build a robust referral network.

Skill

Business Banking Relationship Management
Credit Risk Assessment
Financial Analysis and Reporting
SME Client Acquisition
Loan Structuring and Documentation
Regulatory Compliance in Banking
Sales and Negotiation
Cash Management Solutions
Trade Finance Knowledge
Portfolio Management
Customer Relationship Management (CRM) Software
Market Research and Networking
Cross-functional Collaboration
Communication and Presentation Skills

Preferred Qualifications

Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
Minimum of 5 years of experience in business banking or corporate relationship management within the financial services sector.
Proven track record of managing SME portfolios and achieving sales targets in a banking environment.
Strong knowledge of credit appraisal, risk assessment, and regulatory compliance related to business banking.
Excellent communication, negotiation, and interpersonal skills with the ability to build trust and rapport with diverse clients.
Proficiency in banking software and CRM tools used for client management and reporting.
Ability to work independently and as part of a cross-functional team in a fast-paced, target-driven environment.

Key Performance Indicators:

#*Key Performance Indicators*#

Required Competencies:

#*Required Competencies*#

Required Knowledge:

#*Required Knowledge*#

Required Skills:

#*Required Skills*#

Required Abilities