Relationship Manager- TASC & Institutional Business

Intellectual Capital HR Consulting Pvt. Ltd.; Chennai District; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. in India seeks a Territory Business Manager for Working Capital to lead a team of Relationship Managers across multiple locations, delivering tailored WC solutions to clients. You will engage with CFOs and Promoters, expand the portfolio, and ensure top-tier service and results.

The role emphasizes team mentorship, market expansion, and collaboration with internal teams to craft customized banking solutions in a competitive landscape.

Qualifications

• MBA or CA preferred.
• 7+ years in local market in Working Capital, SME/Corporate/Commercial Banking.
• Strong credit and sales background with ability to structure and sell working capital solutions.
• Experience selling OD, CC, Demand Loans, LC, BG, and Import/Export Finance.

Responsibilities

• Understand client businesses and provide appropriate working capital solutions across fund-based and non-fund-based products.
• Work with Branch Banking teams to acquire new customers and support closure of cases.
• Drive penetration of banking products across primary relationships and group companies.
• Build and strengthen relationships with CFOs and Promoters to grow opportunities.
• Grow portfolio size and profitability across key markets and hubs.
• Identify cross-sell opportunities by understanding client cash flows and financing needs.
• Stay updated on market competition and strengthen presence in target segments.
• Deliver high standards of client servicing and relationship management.
• Drive operational efficiency through process improvements.
• Coordinate with internal teams to develop customized banking solutions.
• Lead, mentor and manage a team of Relationship Managers toward targets.
• Monitor pipeline and follow-ups to ensure smooth execution.

Skills

Credit and Sales

Relationship Management

Team Leadership

Negotiation

Business Development

Communication Skills

Education

MBA or CA

Job description

Territory Business Manager Working Capital (WC)

Department: Working Capital (WC)
Location: Multiple Locations
Reporting Relationship: Will have a team reporting to the role and will report to the Area Business Manager (ABM).

Job Role

• Understand client businesses and provide appropriate working capital solutions across fund-based and non-fund-based products such as Cash Credit (CC), Overdraft (OD), Demand Loan (DL), Bank Guarantee (BG), Letter of Credit (LC), and Import/Export Finance.
• Work closely with Branch Banking teams to acquire new customers and ensure closure of cases where Relationship Managers require support.
• Drive penetration of banking products including Current Accounts, Term Deposits, Transaction Banking, and Trade Finance across primary relationships and group companies.
• Build and strengthen relationships with key decision-makers, including CFOs and Promoters, to enhance client trust and business opportunities.
• Continuously increase portfolio size and profitability by driving business growth across key markets and business hubs.
• Understand client business models, trade cycles, cash flows, and financing requirements to identify cross-sell and relationship expansion opportunities.
• Stay updated on market competition and strengthen the organization's presence within the target segments.
• Deliver high standards of client servicing and relationship management.
• Drive operational efficiency through continuous process improvements.
• Coordinate closely with internal operating teams to develop customized banking solutions for clients.
• Lead, mentor, and manage a team of Relationship Managers while ensuring achievement of individual and team business targets.
• Monitor daily business updates, pipeline progress, follow-ups, and resolve team queries to ensure smooth execution.

Candidate Requirements

• Preferably MBA or CA.
• 7+ years of experience in the local market, preferably in Working Capital, SME Banking, Corporate Banking, or Commercial Banking.
• Strong background in Credit and Sales with the ability to structure and sell working capital solutions.
• Experience in selling products such as OD, CC, Demand Loans, LC, BG, and Import/Export Finance.
• Proven team handling and leadership experience.
• Strong relationship management and stakeholder management skills.
• Good influencing, negotiation, and business development skills.
• Excellent written and verbal communication skills.