Relationship Manager-Large Corporate-Sales-Mumbai - Lower Parel-MM*

Tata Capital; Mumbai; Sur place; INR 1 200 000 - 1 800 000; Plein temps

Résumé du poste

Tata Capital is seeking a Relationship Manager in Mumbai to acquire and manage clients across corporate loans, promoter financing, structured financing, and acquisition financing. The role emphasizes NTB acquisition, cross-selling wealth and insurance, and delivering a superior client experience through collaboration with product, credit, and operations teams.

You will monitor credit risk, maintain portfolio health, prepare credit proposals, and ensure compliance with policy while building

Responsabilités

• Acquire and onboard new clients
• Achieve targets for loan book growth
• Cross-sell products such as wealth and insurance
• Prepare and submit draft credit proposals per Credit Policy
• Collect and analyze data on clients (annual reports, management accounts, industry reports)
• Build and maintain relationships with key decision-makers
• Monitor client creditworthiness and ensure compliance with risk policies
• Minimize NPAs by maintaining portfolio health
• Prepare CAM for NTB and ETB renewals; monitor covenants
• Collaborate with product, credit, and operations teams for seamless service delivery
• 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 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

Description du poste

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.