Relationship Manager- TASC & Institutional Business

Intellectual Capital HR Consulting Pvt. Ltd.; Mumbai; On-site; INR 1,500,000 - 3,000,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. is seeking a Territory Business Manager for Working Capital to lead client coverage, develop WC finance solutions, and drive growth across multiple locations in India.

You will collaborate with Branch Banking to win new business, and mentor a team of Relationship Managers to achieve targets. The role requires deep industry knowledge in Corporate Banking and a proven track record in selling WC products such as OD, CC, DL, LC, BG, and Import/Export

Qualifications

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

Responsibilities

• Understand client businesses and provide WC solutions across fund-based and non-fund-based products (CC, OD, DL, BG, LC, Import/Export Finance).
• Collaborate with Branch Banking teams to acquire new customers and support RMs to close cases.
• Drive penetration of banking products across primary relationships and group companies.
• Build relationships with CFOs and Promoters to grow trust and opportunities.
• Grow portfolio size and profitability by expanding business in key markets.
• Identify cross-sell opportunities by understanding client models and trade cycles.
• Stay informed about 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 tailor banking solutions for clients.
• Lead, mentor, and manage a team of Relationship Managers to hit targets.
• Monitor pipeline progress and resolve team queries for smooth execution.

Skills

Credit and Sales

Relationship management

Stakeholder management

Negotiation

Business development

Team management

Education

MBA

CA

Tools

CRM software

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.