Relationship Manager - Business Lending (Emerging Market)

Idfc First Bank Limited; Brahmapur; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Idfc First Bank Limited seeks a Relationship Manager for Rural Business Banking to provide comprehensive financial solutions and exceptional customer experience. The role focuses on asset NTB client acquisition, liabilities, and FX deepening, collaborating with product and operations teams for effective client servicing and growth.

The ideal candidate has 2–5 years of relevant experience in business banking, with strong knowledge of liability, Forex, trade, and credit assessment.

Qualifications

• Graduation in any discipline; CA preferred.
• 2–5 years of relevant experience in relationship banking.
• Knowledge of liability, Forex, trade, and credit assessment.

Responsibilities

• Acquire new customers for business banking with credit assessment.
• Monitor and renew portfolio; drive retention and portfolio hygiene.
• Collaborate with branches for cross-leveraging and ecosystem synergies.
• Evaluate growth strategy based on competitor feedback and market signals.
• Recommend process changes to improve service efficiency and quality.
• Demonstrate sales planning and promotion skills.
• Understand financial statements, credit assessment, and title-security documents.

Skills

Relationship management

Credit assessment

Forex

Trade finance

Portfolio management

Sales planning

Cross-functional collaboration

Education

Bachelor’s degree

Postgraduate degree

CA certification

Job description

Job Requirements

Job Requirements

Role/ Job Title:

Relationship Manager - Rural Business Banking

Function/ Department:

Retail Banking

Job Purpose:

The role entails providing financial solutions to meet the working requirements of Rural 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:

Primary 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 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

Secondary Responsibilities

• Contributing to product knowledge by sharing competitor data and positive process
• Providing support for development of new products for existing and new customer segments.

Managerial and Leadership Responsibilities:

• Building collaborative work culture between branch, assets team and support structure to enable front line teams.
• Build, Grow and Nurture the team of Relationship Managers of the Region

Education Qualification:

Graduation: Any

Post-graduation: Any

Professional Qualification/Certification: Chartered Accountant (CA)

Experience:

2 to 5 years of relevant experience.