Relationship Manager - Business Banking Group

Mintskill HR Solutions LLP; India; On-site; INR 900,000 - 1,800,000; Full time

Job summary

Mintskill HR Solutions LLP seeks a Relationship Manager for the Business Banking Group in India. You will acquire new NBFC/bank clients, deepen relationships, and manage working capital, secured loans, and trade finance facilities for MSMEs and SMEs.

You will coordinate with product and operations teams, assess credit, monitor portfolios, and drive cross-leverage with branch banking. Prior NBFC/bank experience and 5–10 years in branch banking are preferred.

Qualifications

• Experience in branch banking (NBFC/Bank) and direct sourcing.
• Understanding of credit assessment and credit facilities.
• Knowledge of term loans, bank guarantees, cash facilities and trade finance for MSME/SME.

Responsibilities

• Acquire new business banking customers with knowledge of credit assessment.
• Manage portfolio through monitoring, renewals and ensuring portfolio hygiene.
• Develop strong relations with branch banking for cross-leveraging & synergy.
• Evaluate growth strategy using competitor feedback from multiple channels.
• Recommend process changes to improve service efficiency and quality.
• Demonstrate sales planning and promotions/marketing initiatives.
• Understand financial statements and title-security documents.

Skills

Relationship management

Sales planning

Credit assessment

Financial statements

Portfolio management

Client acquisition

Education

Any Graduate

Job description

Relationship Manager - Business Banking Group

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 Forex deepening. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing, and deepening.

• 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
  

Success Profile BBG _Rural Banking

Kep Points
Relationship Manager

Experience
3 to 4 years - Working capital, Secured loan)

NBFC / Bank
NBFC- who does direct sourcing, Banking experience

Ticket size
10 lakhs up to 5 CRs

Role
Client Acquisition (Hunter role)

Age Limit
Upto 34 years

Product
Term loan, Bank guarantee, Credit facilities, OD, Cash facilities, trade finance for MSME & SME

Requirements

Graduation: Any Graduate

Experience: 5-10 years of relevant branch banking experience