Relationship Manager - Business Lending (Emerging Market)

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

Job summary

IDFC First Bank Limited, a leading bank in India, is seeking a Relationship Manager for Rural Business Banking within Retail Banking. The role emphasizes delivering financial solutions to rural business customers, driving asset NTB acquisition, liabilities and FX deepening, and partnering with product and operations teams to enhance customer experience.

The candidate should have 2–5 years of relevant experience, with a strong grasp of credit assessment and relationship management, to acquire

Qualifications

• 2–5 years of relevant experience in relationship management or banking.
• Understanding of credit assessment and financial products.
• Knowledge of liabilities, Forex, trade and client relationships.

Responsibilities

• Acquire new business banking customers with knowledge of credit assessment.
• Manage liabilities, Forex, trade and client relationships.
• Monitor portfolio hygiene with renewals, enhancements and minimal delinquencies.
• Collaborate with branch banking to drive cross-leveraging and growth.
• Support development of new products for existing and new customer segments.

Skills

Relationship management

Sales planning

Credit assessment

Analytical mindset

Portfolio management

Education

Graduation

Post-graduation

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.