Senior Relationship Manager

Idfc First Bank Limited; Bathinda; On-site; INR 1,500,000 - 2,500,000; Full time

Job summary

Idfc First Bank Limited is seeking a Senior Relationship Manager for the Government Banking Group. You will build and maintain high-value relationships with government bodies and autonomous organizations, drive revenue growth and ensure strict compliance with RBI guidelines.

You will lead client onboarding, risk assessment, and strategic campaigns to penetrate current accounts, retail assets, and government banking products, while collaborating with internal teams to optimize processes and

Qualifications

• Minimum 12 years of relevant Government Banking experience.
• MBA in Finance or equivalent preferred.
• Strong relationship management and client servicing skills; regulatory compliance knowledge.

Responsibilities

• Ensure seamless client onboarding and servicing standards for government accounts.
• Develop deep client relationships to position the bank as preferred partner.
• Drive business within regulatory and risk parameters to expand volumes.
• Build partnerships with other financial institutions to share revenue and synergies.
• Understand client needs to structure tailored government banking solutions.
• Ensure KYC compliance and risk categorization.
• Lead acquisition of high-value government accounts after due diligence.
• Ideate strategies to diversify revenue and penetration in government banking.
• Analyze client financials to identify risks and early warning signals.
• Monitor portfolios and maintain regular client touchpoints.
• Perform RBI-mandated credit analysis.
• Gather market intelligence to adopt best practices.
• Collaborate with Treasury, Risk, Compliance, Legal for efficient processes.
• Measure and improve customer satisfaction; drive treasury business.

Skills

Relationship management

Client servicing

Communication

Negotiation

Government banking

Risk & compliance

Leadership

Analytical thinking

Cross-functional collaboration

Strategic thinking

Education

MBA in Finance

Graduate in any discipline

Job description

Job Requirements

About the Role

The Senior Relationship Manager in the Government Banking Group is responsible for building and maintaining strong relationships with government bodies, quasi-judicial authorities, autonomous organizations, and state departments. The role focuses on maximizing profitability, meeting business targets, and minimizing risk while ensuring strict compliance with regulatory guidelines. Acting as the primary point of contact for clients, the role involves driving customer penetration across current accounts, retail assets, and government banking products, contributing to the bank’s overall objectives.

Key Responsibilities

Primary Responsibilities

• Ensure seamless customer onboarding by implementing best-in-class servicing standards and processes.
• Develop deep client relationships to position the bank as the preferred banking partner.
• Spearhead business generation within regulatory and risk parameters to expand trade volumes for the Government Banking Group.
• Establish partnerships with financial institutions to share revenue streams and realize synergies.
• Understand client needs, business models, and sector characteristics to structure tailored solutions.
• Ensure accurate and timely KYC compliance and risk categorization.
• Drive acquisition of high-value accounts after thorough due diligence.
• Ideate and implement strategies to create diversified revenue streams and facilitate campaigns for customer penetration.
• Analyze client financial reports to identify early warning signals and mitigate risks.
• Monitor portfolios and flag potential issues while maintaining regular client touchpoints.
• Perform credit analysis as mandated by RBI guidelines.
• Gather and leverage market intelligence to adopt best practices.
• Build and maintain strong relationships with internal and external stakeholders to achieve business goals.
• Collaborate with internal teams (Treasury, Risk, Compliance, Legal) to ensure efficient processes and desired outcomes.
• Develop mechanisms to measure and monitor customer satisfaction and implement process improvements.
• Ensure high-quality customer service and address complaints to maintain satisfaction and grow treasury business.

Managerial & Leadership Responsibilities

• Champion a customer-first culture by driving high service standards across the team.
• Attract and retain top talent for key roles within the reporting structure.
• Monitor employee productivity, hiring quality, and attrition rates; implement improvements as needed.

What We Are Looking For

Education

• Graduate in any discipline.
• Postgraduate degree preferred, ideally MBA in Finance.

Experience

• Minimum 12 years of relevant experience in Government Banking.

Skills and Attributes

• Strong relationship management and client servicing skills.
• Excellent communication and negotiation abilities.
• Deep understanding of government banking products and compliance requirements.
• Proven ability to lead teams and drive business growth.
• Analytical mindset with attention to detail.
• Ability to collaborate effectively across functions and manage complex client requirements.
• Strategic thinking and problem-solving capabilities.