Relationship Manager-Large Corporate

Tata Capital; Mumbai; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Tata Capital in Mumbai is seeking a Relationship Manager to acquire and manage corporate clients, driving revenue and portfolio growth across loan products. The role emphasizes NTB acquisition and cross-selling of wealth and insurance products.

You will prepare credit proposals, analyze financial data, and ensure adherence to risk policies while delivering superior client service through collaboration with product, credit, and operations teams.

Qualifications

• Acquire and onboard new clients.
• Achieve loan book growth targets.
• Cross-sell wealth, insurance products.
• Prepare credit proposals per Credit Policy.
• Maintain high standard of credit analysis.
• Build relationships with key decision-makers.
• Monitor creditworthiness and NPAs.
• Collaborate with product, credit, and operations teams.

Responsibilities

• Maintain CRM hygiene with logs and updates.
• Provide market intelligence on sectors and pricing.
• Prepare MIS and portfolio analytics for governance.
• Support reviews, audits, compliance within timelines.
• Act as backup RM for selected accounts.

Skills

Client acquisition

Cross-selling

Credit analysis

Relationship management

Portfolio risk

Stakeholder collaboration

Job description

Key Objective of the Job:

Relationship Manager, will be responsible for acquiring and managing clients to drive sustainable revenue and portfolio growth in Loan book comprising of Corporate Loan, Promoter financing, structured financing, acquisition financing etc. The role emphasizes new-to-bank (NTB) acquisition, cross-selling (such as Insurance, Wealth). Ensure portfolio quality, compliance with credit risk policies, and deliver exceptional client experience through collaboration with internal teams.

Business Development:

• Acquire and onboard new clients
• Achieve targets for loan book growth
• Cross-sell products such as wealth, insurance

Revenue Generation:

• Meet income targets from interest and fee
• Increase wallet share by offering tailored solutions

Credit Appraisal

• Prepare and submit draft credit proposals in conformity with Credit Policy guidelines and requirements and to maintain a high standard of credit analysis.
• Collect and analyze vital data on clients i. e. annual reports, management accounts, interim reports, industry reports and all press cuttings e. t. c to acquire in-depth knowledge which will facilitate comprehensive review of assigned accounts.

Client Relationship Management:

• Build and maintain strong relationships with key decision-makers
• Ensure high client satisfaction through regular engagement and timely issue resolution

Risk Management:

• Monitor client creditworthiness and ensure compliance with risk policies
• Minimize NPAs by maintaining a healthy portfolio
• Prepare CAM for NTB and ETB renewals; monitor covenants for existing contracts.

Collaboration:

Work closely with product, credit, and operations teams for seamless service delivery.

Major Deliverables:

• Maintain CRM hygiene by logging calls, updating opportunities, and ensuring KYC compliance
• Provide market intelligence on sectors, competitors, and pricing; contribute to AOP planning
• Prepare MIS and portfolio analytics (utilization, profitability, cross-sell ratios) for governance forums
• Support reviews, audits and compliance reviews; close observations within timelines

Act as backup RM for selected accounts to ensure continuity of service.