Relationship Manager - Wholesale Banking Group

ICICI Bank; Mumbai; On-site; INR 900,000 - 1,300,000; Full time

Job summary

ICICI Bank in Mumbai invites applications for a Relationship Manager in Wholesale Banking. You will assess credit, perform financial analysis, service clients, and manage end-to-end banking transactions with risk guidance.

The role emphasizes generating new business leads and deepening existing relationships across client ecosystems. MBA/CA or graduates with relevant experience are suitable, with strong communication and financial understanding required.

Qualifications

• MBA/CA or Graduate with 3–6 years of work experience in relationship management.
• Strong written and verbal communication with service focus.
• Understanding of financial analysis, balance sheets, P&L and cash flows.

Responsibilities

• 360° Credit Assessment in collaboration with Risk Management.
• Business development to acquire new clients and deepen existing relationships.
• Collaborate with internal teams to deliver banking solutions.
• Portfolio management of corporate clients and risk-aware growth.
• Provide customer service and ensure fair treatment for customer and bank.

Skills

MBA/CA/Graduate

Communication skills

Financial understanding

Education

MBA/CA or Graduate degree

Job description

At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team. To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service. The role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature.

About the role

ICICI Bank provides comprehensive banking solutions to corporate customers. As a Relationship Manager of Wholesale Banking, you will be responsible for credit appraisal, financial analysis, client servicing, writing of credit notes, end-to-end executive of banking transactions, documentation, and covenant management. In this role, you work under the guidance of a Senior Relationship Manager/ Regional Head. While serving customers, you will be responsible for 360-degree banking and looking for banking opportunities across the customer ecosystem. This will involve offering banking products and services across the customer segments of the Bank. In your responsibility, you also hold the principle of being “Fair to Customer, Fair to Bank. You will be responsible for generating new business leads as well as deepening relationships with existing customers.

Bankable individuals not just Bankers: We hire from across industries!

We at ICICI Bank are in continuous pursuit of creating consistent customer delight and superior experience. Our Relationship Managers are empowered individuals who champion the cause of customer experience and have penchant for building and nurturing business relationships. If you are an individual, whose heart echoes with our aspiration, look no more. We do not just choose diverse minds but celebrate their success. If you are a bankable individual without banking experience, you are very much welcome, irrespective of your present core responsibilities or the industry associated. Our training programs equip you to get ready for the role of a Relationship Manager. Professionals from across industries are welcome to apply for the role of Relationship Manager.

Key Responsibilities

• 360° Credit Assessment: Understand in detail the client’s business and financials and prepare a quality appraisal note in collaboration with the Risk Management team.
• Business Development: Market scoping, segmenting and targeting to acquire new clients as per the risk appetite of the bank and drive ecosystem revenue o The RM for the purpose of business origination, will engage with banks, brokers, corporates, law firms, trade associations, chamber of commerce as well as attend events, participate in seminars, and trade fairs.
• Collaboration: Work in synergy with different internal teams of the Bank in order to deliver the right solutions to the customer. Collaborative working is key in this role.
• Portfolio Management: Manage a high-quality portfolio of corporate clients. Work towards generating new business leads as well as deepening relationships with existing customers.
• Customer Service: Create service excellence by partnering with customers through their life cycle and offer suitable products and products and services based on their financial needs while being fair to the customer and fair to the bank in all engagements.

Key Qualifications & Skills

• Educational Qualification: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 1-5 years of work experience in the area of relationship management across industries
• Communication skills: Ability to tailor conversations (both verbal & written) arounds the need of customer with utmost focus on service delivery.
• Financial Understanding: Understanding of the intricacies of financial analysis, the balance sheet, profit & loss accounts and cash flow statements. Knowledge of basic banking products.

About the Business group

The Wholesale Banking Group of ICICI Bank manages a wide range of clients, which includes large private sector business houses and companies, financial institutions and banks, public sector undertakings, and Central and State government entities. The group also has a strong franchise among Multi-National Corporations (MNCs), real estate companies, IT & ITES, and new-age services companies, along with a strong franchise in the financial sponsor's space with a special focus on private equity funds and their investee companies. Additionally, it also caters to the requirements of the capital market and custody participants through unique digital solutions, improving their operational efficiency.