RM-ECG

HDFC Bank; Ludhiana; On-site; INR 600,000 - 800,000; Full time

Job summary

HDFC Bank Limited in Ludhiana seeks a Relationship Manager for Emerging Corporate Group (ECG) to build and manage relationships with new and existing clients, driving income through asset and liability products.

The role involves portfolio management, cross-selling, ensuring KYC/compliance, and coordinating with product teams. Graduation is required; MBA or CA preferred; 4–5 years of experience.

Qualifications

• Graduation is mandatory.
• MBA or CA qualification preferred for higher responsibilities.

Responsibilities

• Portfolio management to achieve ECG targets; conduct monthly reviews with product groups and supervisors.
• Identify wallet share opportunities; develop cross-sell strategies across bank products.
• Ensure KYC/AML compliance and complete post-disbursement documentation; assess credit limits.

Skills

Sales

Relationship management

Cross-selling

Portfolio management

Client handling

Education

Graduation required

MBA or CA preferred

Job description

Role Description

Job Title

Relationship Manager - ECG

Business Unit

Emerging Corporate Group (ECG)

Reporting To

Unit Head / Team Lead

Job Function and Role Type

Sales, Individual Contributor, Moderate Travel

Version No

2.0

Job Purpose

Build and manage relationships with new and existing clients to ensure income generation through the sale of appropriate asset and liability products.

Key Responsibilities

Portfolio Management

Achieve business targets on volumes and profitability for ECG customers; Conduct monthly reviews with product groups and supervisors to enhance product penetration; Monitor account performance and manage portfolio reviews, including exits, line reductions, and recovery; Track performance against budgets and update CRM systems with client call details.

Increased Product Penetration

Identify wallet share opportunities for existing and potential NTB customers; Develop strategies for product penetration and cross-sell all bank products.

Operations & Processes

Ensure adherence to management guidance and regulatory compliance, including KYC/AML tracking; Complete pre- and post-disbursement documentation and manage deferrals; Conduct timely credit appraisals and recommend credit limits.

Client Management & Servicing

Engage in structured client calls with existing and prospective clients; Build relationships with internal and external customers to ensure client satisfaction; Address customer pain points and collaborate with support functions to improve processes; Interact with promoters and senior management to strengthen client relationships.

Intra Bank Coordination & Communication

Collaborate with team members and support their initiatives; Coordinate with various bank departments to gain insights and drive cross-sell opportunities.

Education

Graduation required; MBA or CA preferred.

Certifications

MBA, CA.

Key Competencies

Sales and influencing skills, banking product and process knowledge, client handling skills, planning and organizing skills, knowledge of competition and financial industry trends.

Major Stakeholders

Customers, Operations, Credit, ECG Product Team.

Other Details

4 to 5 years of experience