Senior Manager - Corporate Relationship Management

QNB Group; Mumbai; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

QNB Group in Mumbai seeks an accomplished Corporate Banking Relationship Manager to oversee a designated business client portfolio and grow profitable banking relationships. The role requires 8+ years of relevant experience, strong knowledge of corporate banking products, and excellent communication skills to support risk management, credit proposals, and cross‑sell of services.

You will report to the VP and drive strategic initiatives locally.

Qualifications

• Excellent oral and written communication skills.
• Strong knowledge of corporate banking products and services.
• Experience with credit risk assessment and credit proposals.
• Understanding of regulatory and compliance requirements in banking.
• Proven ability to manage and grow major client relationships.

Responsibilities

• Develop and manage a designated portfolio of corporate clients.
• Prepare comprehensive credit proposals and reviews addressing risk factors.
• Coordinate with product teams to offer a full suite of bank services.
• Ensure adherence to policies, controls, and compliance requirements.
• Support KPI achievement and business plan execution for the portfolio.

Skills

Relationship management

Credit documentation

English communication

Regulatory understanding

Planning & analysis

Education

Bachelor's degree in Finance/Banking/Economics

Masters preferred

Job description

The role is primarily responsible for providing proactive and effective support so as to profitably enhance the daily management and development of the customer portfolio; in accordance with the business plan, credit policy objectives and QNB procedures. The role also acts as a relationship manager, taking responsibility for a designated portfolio to develop and profitably manage banking relationships for business customers within their geographic territory or industry/customer portfolio. This position functions as the backup resource for the extension of the full range of bank products and services applicable to the business customer. These will typically include credit and deposit services, as well as international transactions or other specialised services.

Essential Duties & Responsibilities by Dimensions:

Shareholder & Financial:

• Proactively assist in the implementation of the strategies and plans to achieve all volume, revenue, development and profit targets for the VP’s customer portfolio.
• Proactively support the VP in the development of Key Performance Indicators for the purpose of systematic performance monitoring and quality measurement of the VP’s function, customer portfolio development and the monitoring of achievements.
• Proactively support the VP in upholding and monitoring full compliance with prevailing best corporate banking practice.
• Observes and promotes cost consciousness and efficiency, and enhance productivity, to minimize costs, avoid wastes, and optimize benefits for the bank.
• Act within the limits of the powers delegated to the incumbent and adheres to QNB policies

Customer (Internal & External):

• Proactively support VP in maintaining and developing customer relationships, acting as an alternative to an VP, as required.
• To act in the full capacity of an RM taking responsibility for a designated portfolio, as required.

Internal (Processes, Products, Regulatory):

• Assist the VP to prepare comprehensive credit proposals for new / prospective customers that adequately address all relevant risk factors and satisfy minimum acceptable standards of QNB corporate credit.
• Assist the VP to prepare comprehensive credit reviews for existing customer facilities, at least one month before limit expiry, that adequately address all relevant and current risk factors and the latest developments in the industry, market and business.
• Support the VP in the preparation of periodic Management and Business Information reports to executive management, as requested.
• Liaise with HO credit admin on the credit documentation meeting the terms & conditions as per approval.
• Seek HO Credit Admin acknowledgment when needed for collaterals submitted and supporting documents.
• Seek HO Credit Admin Review and have the checklist completed for Credit Operations to complete the remaining tasks

Learning & Knowledge:

• Possess good knowledge of the corporate banking business; its products and services, related risks, documentation, regulatory requirements and report preparation together with a superior knowledge of controls.
• Takes responsibility for self-development as well as acquiring skills and knowledge required to fulfilment of one's duties by proactively identifying areas for professional development of self and undertake development activities
• Seek out opportunities to remain current with all developments in professional field

Legal, Regulatory, and Risk Framework Responsibilities:

• Comply with all applicable legal, regulatory and internal compliance requirements including, but not limited to, Group Compliance Policies and Procedures (AML & CTF, Anti-Bribery and Corruption, Sanctions Policy, Data Protection Policy, Fraud Control Policy, Whistle Blowing Policy, Conflict of Interest and Insider Dealing Policy).
• Understand and effectively perform your role under the Three Lines of Defence principle to identify measure, monitor, manage and report risks.
• Ensure systematic good outcomes for clients in accordance with Conduct Risk policy.
• Support the framework of RCSA, KRI, Incident reporting and remediation, as appropriate, in accordance with the Operational Risk Management requirements.
• Maintain appropriate knowledge to ensure full qualification to undertake the role.
• Complete all mandatory training provided by the Bank, attain, and maintain the required levels of competence.
• Attend mandatory (internal and external) seminars as instructed by the Bank.

Education/Experience Requirements:

• University graduate (Bachelors degree) preferably with a Major in Finance, Banking, Economics, Mathematics, or Business Administration (related field of study), Masters preferred
• Excellent oral and written communication skills (including report writing)
• At least 8 years relevant experience in the banking industry, preferably with a large local / International Bank.
• Well-informed of the market competitive structure, industry practices and any regulations for the corporate banking customer segment.

Required Special Skills:

• Good people relationship and credit documentation skills and awareness of risk management concept and practices.
• Good oral and written communication skills in English. French and/or Arabic (preferred).
• Understanding of the relevant laws, regulations and practices pertaining to Corporate Banking products.
• Personal integrity, self-motivation and self-management.
• Good planning, organizing and analytical ability.