Senior Relationship Manager - Commercial Banking

Idfc First Bank Limited; Chandigarh; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

Idfc First Bank Limited, Pune/Chandigarh, seeks a Senior Relationship Manager‑Commercial Banking to own end‑to‑end acquisition and relationship management for mid‑corporate clients, focusing on NTB opportunities and cross‑selling transaction banking solutions.

The role emphasizes revenue growth, portfolio quality, risk compliance, and strong cross‑functional collaboration to deliver holistic banking services.

Qualifications

• Graduate degree in one of the following: B.Tech/B.Com/BA/BSc.
• MBA/PGDM or CA/ICWA considered PG-equivalent for this role.
• 8–12 years of relevant experience in private or public sector banks.

Responsibilities

• Acquire new mid-corporate clients and onboard them successfully.
• Achieve targets for fund-based and non-fund-based products.
• Cross-sell treasury, CMS, forex and other services.
• Meet income targets from interest and fee-based products.
• Increase wallet share with customized client solutions.
• Build and maintain relationships with key decision-makers.
• Ensure high client satisfaction with proactive engagement.
• Monitor creditworthiness and ensure risk policy compliance.
• Minimize NPAs and maintain portfolio health.
• Prepare CAM for NTB and ETB renewals and covenant monitoring.
• Coordinate with product, credit and operations teams for delivery.

Skills

Relationship management

Cross-selling

New-to-bank acquisition

Negotiation

Communication skills

Education

Graduate degree

MBA/PGDM or CA/ICWA

Job description

Job Requirements

Job Requirements

Role/ Job Title: Senior Relationship Manager-Commercial Banking

Business: Wholesale Banking

Function/ Department: Commercial Banking

Job Purpose: Own end‑to‑end acquisition and relationship management of mid‑corporate clients to deliver sustainable revenue and book growth across assets and liabilities, with a strong focus on new‑to‑bank (NTB) acquisition and activation and on cross‑sell of transaction banking products e.g., Cash Management Services (CMS), Trade Services—and treasury/FX solutions, while maintaining portfolio quality, ensuring compliance with risk policies, and orchestrating seamless service through cross‑functional collaboration

Roles & Responsibilities:

• Acquire new mid-corporate clients and onboard them successfully
• Achieve targets for fund-based and non-fund-based products, such as working capital loans, term loans, and trade finance
• Cross-sell products like treasury services, cash management services, forex services, salary accounts, etc.
• Revenue Generation:
• Meet income targets from interest and fee-based products for both assets and liabilities
• Focus on increasing wallet share by offering customized solutions to clients
• Client Relationship Management:
• Build and maintain strong relationships with key decision-makers in client organizations
• Ensure high client satisfaction scores through regular engagement and prompt issue resolution
• Risk Management:
• Monitor the creditworthiness of clients and ensure compliance with the bank's risk policies
• Minimize non-performing assets (NPAs) by maintaining a healthy portfolio
• Ensure CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts
• Team Collaboration:
• Work closely with product teams (e.g., treasury services, cash management services, forex services) to meet client needs
• Coordinate with credit and operations teams for seamless service delivery

Secondary Responsibilities:

• Maintain CRM hygiene: log calls/opportunities, update next actions, and keep KYC/periodic reviews current
• Provide market intelligence on sectors/competitors/pricing; contribute to AOP planning and campaigns
• Prepare MIS/portfolio analytics (utilization, profitability, cross‑sell ratios) and present in governance forums
• Support audits and compliance reviews; close observations within agreed timelines
• Represent the bank at client events, trade bodies, and webinars; build brand visibility
• Act as back‑up RM for selected accounts to ensure continuity of service

Qualifications:

Graduate - B.Tech/B.Com/BA/BSc

Post Graduate - MBA/PGDM or Postgraduate / CA/ICWA (treated as PG‑equivalent for this role)

Years of Experience:

8-12 years of relevant experience in pvt or public sector bank