Relationship Manager- TASC & Institutional Business

Intellectual Capital HR Consulting Pvt. Ltd.; Gurugram District; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. seeks a Territory Business Manager for Working Capital across multiple locations.

You will understand client needs and provide WC solutions (CC, OD, DL, BG, LC, and Import/Export Finance) while working with Branch Banking to grow customers and close cases with support from Relationship Managers. The ideal candidate has 7+ years in the local market, preferably in WC or Corporate Banking, with strong credit and sales skills and a track record in leading

Qualifications

• MBA or CA preferred.
• 7+ years in local market, WC/SME/Corporate Banking.
• Strong credit and sales background in working capital.
• Experience selling CC/OD/DL/LB/LC/Import-Export Finance.

Responsibilities

• Understand client businesses and provide working capital solutions across fund-based and non-fund-based products (CC, OD, DL, BG, LC, Import/Export Finance).
• Collaborate with Branch Banking to acquire new customers and support closure of cases.
• Drive banking product penetration across Current Accounts, Term Deposits, and Trade Finance.
• Build and strengthen relationships with CFOs and Promoters to unlock opportunities.
• Grow portfolio size and profitability by expanding business in key markets and hubs.
• Assess client models, trade cycles, cash flows, and financing needs to identify cross-sell opportunities.
• Stay updated on market competition and strengthen our presence in target segments.
• Deliver high standards of client servicing and relationship management.
• Improve operational efficiency through process improvements.
• Coordinate with internal teams to develop customized banking solutions.
• Lead, mentor, and manage a team of Relationship Managers to achieve targets.
• Monitor pipeline progress and resolve team queries for smooth execution.

Skills

Working Capital

Corporate Banking

Credit

Sales

Relationship Mgmt

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.