Senior Relationship Manager - Commercial Banking

Idfc First Bank Limited; Khordha; Vor Ort; INR 1.500.000 - 2.200.000; Vollzeit

Zusammenfassung

Idfc First Bank Limited in India seeks a Senior Relationship Manager-Commercial Banking to own end-to-end acquisition and relationship management of mid-corporate clients, focusing on NTB acquisition, activating cross-sell of transaction banking products, and ensuring compliance with risk policies.

You will collaborate with product, credit and operations teams to deliver seamless service, build strong client relationships, and achieve revenue targets across assets and liabilities.

Qualifikationen

• Graduate - B.Tech/B.Com/BA/BSc
• Post Graduate - MBA/PGDM or Postgraduate / CA/ICWA (PG-equivalent for this role)

Aufgaben

• Acquire new mid-corporate clients and onboard them successfully
• Achieve targets for fund-based and non-fund-based products (loans, trade finance)
• Cross-sell treasury, CMS, forex, salary accounts, etc.
• Meet income targets from interest and fee-based products for assets and liabilities
• Increase wallet share by offering customized solutions to clients
• Build and maintain relationships with key decision-makers in client organizations
• Ensure high client satisfaction through regular engagement and issue resolution
• Monitor client creditworthiness and ensure compliance with risk policies
• Minimize NPAs by maintaining a healthy portfolio
• Prepare CAM for NTB and ETB renewals and covenant monitoring
• Collaborate with product, credit and operations teams for service delivery
• Maintain CRM hygiene: log calls/opportunities and update actions
• Provide market intelligence and contribute to planning and campaigns
• Prepare MIS/portfolio analytics and present in governance forums
• Support audits and compliance reviews; close observations promptly
• Represent the bank at client events and webinars
• Act as back-up RM for selected accounts for continuity of service

Kenntnisse

Relationship management

Mid-corporate banking

NTB acquisition

Cross-selling

Client onboarding

Ausbildung

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

MBA/PGDM or PG-equivalent (CA/ICWA)

Jobbeschreibung

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