Relationship Manager - Credit Delivery, AVP

Royal Bank of Scotland; Bengaluru; On-site; INR 2,500,000 - 6,000,000; Full time

Job summary

Royal Bank of Scotland is seeking an Associate Vice President–Relationship Manager to manage client relationships, deliver excellent service, and develop a portfolio of clients while supporting credit analysis.

You will produce high quality proposals, negotiate terms with intermediaries, and build strong ties with the credit function, contributing to strategic business development in a fast-paced environment.

Qualifications

• Knowledge of credit delivery and experience in financial services.
• Excellent communication skills at senior levels.
• Experience leading a high-performing sales team.
• Understanding of legal lending forms and security.
• Familiarity with know your customer, anti-money laundering, deal structuring and credit appraisals.

Responsibilities

• Managing your diary, building and developing a portfolio of clients and delivering excellent service.
• Producing high quality new business proposals and supporting credit analysis, building strong relationship with the credit function.
• Building and maintaining relationships with stakeholders and leading commercial negotiations and agreements of contract terms with new intermediaries.
• Conducting sales and service needs interviews through customer service reviews to ensure first-class service.
• Designing and originating new business proposals appropriate to client needs and market opportunities.

Skills

Credit delivery knowledge

Excellent communication

Relationship management

Leadership of sales team

Education

QFA qualification

Job description

Join us as a Relationship Manager

Join a dynamic team and control the strategic and daily support for client services, business development and relationship building

Specialising in credit delivery, you’ll be managing client relationships and aiming to not just meet but exceed their expectations

Hone your communication and interpersonal skills, in this collaborative and fast-paced environment

We’re offering this role at associate vice president level

What you’ll do

We’re looking for someone who’ll put our clients at the heart of everything they do, joining a team who specialise in credit delivery. As a Relationship Manager, you’ll be effectively managing your diary, building and developing a portfolio of clients and crucially, delivering excellent service. We’ll also look to you to produce high quality new business proposals and support credit analysis, building a strong relationship with the credit function.

• Conducting sales and service needs interviews through customer service reviews to ensure they are receiving a first-class service
• Designing and originating new business proposals that are appropriate to the needs of our clients
• Understanding how our products and services compare with competitors and using this knowledge to maximise opportunities when undertaking personal reviews
• Setting detailed targets, monitoring performance and developing tactical solutions to address challenges and exploit commercial market opportunities
• Building and maintaining relationships with stakeholders and leading commercial negotiations and agreements of contractual terms with new intermediaries

The skills you’ll need

We’re looking for someone with knowledge of credit delivery and good experience of working in the financial services industry. You’ll have an excellent appreciation of legal forms of lending and security and a broad understanding of corporate finance and capital models. Additionally, we’ll also be looking for you to have excellent communication skills, with the ability to operate and influence effectively at a senior level.

• A QFA qualification with strong credit analysis skills
• Excellent relationship management skills and experience of working in a customer driven business environment
• A track record of successfully leading and developing a high-performing sales team
• Experience of relevant legal, regulatory and statutory obligations and risk management within a financial services environment
• Excellent knowledge of businesses processes, including know your customer, anti-money laundering, deal structuring and preparing credit appraisals

Hours

45

Job Posting Closing Date: 21/09/2026