Relationship Manager - Business Lending (Emerging Market)

Idfc First Bank Limited; Punjab; Sur place; INR 650 000 - 1 000 000; Plein temps

Résumé du poste

Idfc First Bank Limited invites applications for the position of Relationship Manager - Rural Business Banking within Retail Banking. The role focuses on acquiring NTB clients, building liabilities and FX depth, and delivering best-in-class customer experience in rural segments.

Collaboration with product and operations teams will drive customer acquisition, servicing, and deepening across the region. The candidate should have 2 to 5 years of relevant experience, strong credit assessment

Qualifications

• Acquiring new customers with a detailed understanding of credit assessment.
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Responsabilités

• Primary Responsibilities include 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.
• Developing working relationships with branch banking for cross-leveraging and synergy optimization within the bank ecosystem.
• Evaluating growth strategy based on competitor analysis and feedback from channels and customers.
• Recommending process changes to improve service efficiency and quality across the branch network.
• Demonstrating sales planning and conceptualizing promotions and marketing initiatives.
• Understanding financial statements, credit assessment and title-security documents.

Connaissances

Credit assessment

Relationship management

Forex

Trade

Portfolio management

Sales planning

Marketing initiatives

Financial statements

Analytical mindset

Cross-functional collaboration

Formation

CA

Graduation

Post-graduation

Description du poste

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.