Senior Relationship Manager - Commercial Banking

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

Job summary

Idfc First Bank Limited seeks a Senior Relationship Manager-Commercial Banking to own end-to-end acquisition and relationship management for mid-corporate clients, driving revenue growth across assets and liabilities. The role emphasizes NTB onboarding, cross-selling transaction banking and treasury solutions, while ensuring portfolio quality and risk compliance.

You will collaborate with product, credit, and operations teams to deliver seamless service and achieve targets in a Wholesale Banking

Qualifications

• Graduate/postgraduate degree requirements as stated: B.Tech/B.Com/BA/BSc; MBA/PGDM or PG-equivalent.
• MBA/PGDM or PG-equivalent qualification is preferred for this role.

Responsibilities

• Business Development: Acquire new mid-corporate clients and onboard them successfully.
• Revenue Generation: Meet income targets from assets and liabilities; focus on wallet share.
• Client Relationship Management: Build and maintain relationships with key decision-makers; ensure client satisfaction.
• Risk Management: Monitor creditworthiness and ensure compliance with risk policies; minimize NPAs.
• Team Collaboration: Work with product, credit and operations teams to ensure seamless service delivery.
• Secondary Responsibilities: Maintain CRM hygiene, prepare MIS/portfolio analytics, support audits and represent the bank at events.

Skills

Relationship management

NTB acquisition

Cross-selling

Client engagement

Education

Bachelor degree (B.Tech/B.Com/BA/BSc)

MBA/PGDM or PG-equivalent

Job description

Job Description:

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:

1. 1.Business Development:
2. oAcquire new mid-corporate clients and onboard them successfully
3. oAchieve targets for fund-based and non-fund-based products, such as working capital loans, term loans, and trade finance
4. oCross-sell products like treasury services, cash management services, forex services, salary accounts, etc.
5. 2.Revenue Generation:
6. oMeet income targets from interest and fee-based products for both assets and liabilities
7. oFocus on increasing wallet share by offering customized solutions to clients
8. 3.Client Relationship Management:
9. oBuild and maintain strong relationships with key decision-makers in client organizations
10. oEnsure high client satisfaction scores through regular engagement and prompt issue resolution
11. 4.Risk Management:
12. oMonitor the creditworthiness of clients and ensure compliance with the banks risk policies
13. oMinimize non-performing assets (NPAs) by maintaining a healthy portfolio
14. oEnsure CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts
15. 5.Team Collaboration:
16. oWork closely with product teams (e.g., treasury services, cash management services, forex services) to meet client needs
17. oCoordinate 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