Relationship Manager-Business Banking

IDFC FIRST Bank; Khordha; On-site; INR 600,000 - 1,200,000; Full time

Job summary

IDFC FIRST Bank in Khordha is seeking a Relationship Manager for Business Banking. This role focuses on providing tailored financial solutions to business banking customers, with a strong emphasis on relationship management and customer experience. The ideal candidate should possess 5-10 years of experience in branch banking, preferably with a background in credit assessment and sales planning. A Chartered Accountant qualification is preferred, and the role demands strong analytical skills alongside effective portfolio management.

Qualifications

• 5-10 years of relevant branch banking experience.
• Demonstrated ability in sales planning and conceptualizing promotions.
• Understanding of financial statements and credit assessment.

Responsibilities

• Responsible for acquiring new customers for business banking.
• Manage portfolio effectively through continuous monitoring.
• Evaluate growth strategy based on competitor analysis.

Skills

Credit assessment and analysis

Client relationship management

Sales planning

Analytical mindset

Education

Bachelor's degree in any discipline

Chartered Accountant (CA)

Job description

Job Title

Relationship Manager-Business Banking

Function

Business Banking

Job Purpose

The role entails providing financial solutions to meet the working requirements of business banking customers and ensuring best-in-class relationship management and customer experience to become their banking partner of choice. The role bearer is responsible for asset NTB client acquisition along with liabilities and FX deepening. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing, and deepening.

Roles & Responsibilities

• Responsible for acquiring new customers for business banking with a detailed understanding of credit assessment.
• Knowledge on liability, Forex, trade and client relationships, delinquency management, relationship management, and an analytical mindset.
• Managing the portfolio effectively through continuous monitoring of accounts and renewals, enhancement, retention and ensuring portfolio hygiene with minimal open deferral and covenants.
• Develop a superior working relationship with branch banking for cross‑leveraging & synergy optimization and work within the overall bank ecosystem with other stakeholders.
• Evaluate the growth strategy based on competitor analysis and feedback from different channels and customers.
• Recommend process changes in order to improve service efficiency and quality across the branch network.
• Demonstrated ability in sales planning and conceptualizing promotions and marketing initiatives.
• Understanding of financial statements, credit assessment and title‑security documents.

Educational Qualifications

• Graduation: Any Discipline
• Professional Qualification: Preferred Chartered Accountant (CA).

Experience

5-10 years of relevant branch banking experience