RM-ECG

HDFC Bank Limited; Meerut; On-site; INR 900,000 - 1,500,000; Full time

Job summary

HDFC Bank Limited, in India, seeks a Relationship Manager for ECG to build and manage relationships with corporate clients, driving income through asset and liability products. The role requires strong relationship-building, sales skills, and knowledge of ECG products.

The incumbent will oversee portfolio performance, pursue wallet-share opportunities, and ensure compliance with KYC/AML norms while coordinating with internal teams for servicing and cross-functional initiatives.

Qualifications

• Graduation required; MBA or CA preferred.
• Experience in relationship management in corporate banking.
• Strong sales and client handling skills.
• Knowledge of ECG products and cross-sell opportunities.

Responsibilities

• Achieve business targets on volumes and profitability for ECG customers.
• Identify wallet share opportunities and cross-sell all bank products.
• Ensure KYC/AML compliance and manage documentation.
• Build and maintain relationships with clients and promoters for satisfaction.
• Coordinate with bank departments to drive cross-sell opportunities.

Skills

Relationship management

Sales skills

Banking products

Client handling

Education

Graduation

MBA preferred

CA preferred

Tools

CRM software

Job description

Job Function and Role Type

Sales, Individual Contributor, Moderate Travel

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.