Relationship Manager - Business Lending (Emerging Market)

Idfc First Bank Limited; Hinjilicut; On-site; INR 600,000 - 900,000; Full time

Job summary

Idfc First Bank Limited in India is seeking a Relationship Manager - Rural Business Banking to provide financial solutions for rural clients, deepen liabilities and FX, and coordinate with product and operations teams to ensure best-in-class relationship management and customer experience.

Key duties include acquiring new business banking clients with credit assessment, portfolio hygiene, cross-branch collaboration, and growth through promotions.

Qualifications

• Graduation and Post-graduation in any field are acceptable.
• CA qualification is highly preferred for this role.
• 2–5 years of relevant experience in relationship management or rural banking.

Responsibilities

• Acquire new customers for business banking with understanding of credit assessment.
• Manage liability, Forex and trade client relationships, and maintain portfolio hygiene.
• Monitor accounts and renewals, drive retention and deepening across the portfolio.
• Develop strong working relationships with branch banking for cross-leveraging and synergy.
• Evaluate growth strategies through competitor analysis and customer feedback.
• Suggest process improvements to enhance service efficiency and quality across branches.
• Demonstrate sales planning and promotions for business uptake and loyalty.
• Understand financial statements and credit assessment processes.

Skills

Relationship management

Credit assessment

Delinquency management

Portfolio monitoring

Cross-functional collaboration

Education

CA

Graduation

Post-graduation

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.