Senior Relationship Manager - Commercial Banking

Idfc First Bank Limited; Indore District; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Idfc First Bank Limited is seeking a Senior Relationship Manager-Commercial Banking in Indore to own end-to-end acquisition and relationship management of mid-corporate clients. You will drive NTB acquisitions, activate cross-sell of CMS, trade services, and treasury/FX solutions while ensuring portfolio quality and compliance.

You will coordinate with product, credit, and operations teams to deliver seamless service, achieve revenue targets, and maintain strong relationships with key

Qualifications

• Graduate with degrees like B.Tech, B.Com, BA or BSc.
• Postgraduate/MBA/PGDM or CA/ICWA may be 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 such as working capital loans, term loans, and trade finance.
• Cross-sell products like treasury services, cash management services, forex services, salary accounts.
• Meet income targets from interest and fee-based products for assets and liabilities.
• Build and maintain relationships with key decision-makers in client organizations.
• Ensure high client satisfaction scores through regular engagement and prompt issue resolution.
• Monitor the creditworthiness of clients and ensure compliance with the bank's risk policies.
• Coordinate with product, credit and operations teams for seamless service delivery.

Skills

Relationship management

Mid-corporate client acquisition

Cross-selling

Portfolio management

Credit risk awareness

Education

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

Postgraduate - MBA/PGDM or CA/ICWA

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

• 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