Senior Relationship Manager - Mid Market...

PeopleStrong; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Aditya Birla Capital Limited is seeking a Senior Relationship Manager for the Mid Market segment in Maharashtra, India. The role focuses on financing SMEs through working capital and supply chain products, requiring deep understanding of business finance and loan structuring.

Ideal candidates have a Masters in Finance with 5-7 years of relevant experience and a track record of growing client bases in the mid-market space.

Qualifications

• Masters in Finance with 5-7 years of relevant experience in mid-market/SME financing.
• Strong understanding of working capital, loan structuring, and credit administration.
• Proven ability to drive sales growth and manage client relationships.

Responsibilities

• Sales Growth: drive pipeline, expand market share, minimize client attrition, source new business.
• Client Acquisition & Relationship Management: acquire new clients, cross-sell products, improve TATs, strengthen relationships.
• Disbursal: coordinate with internal teams for timely loan disbursement and proper documentation; monitor NPAs.
• Organization Process Efficiency: follow pre/post-sourcing processes and improve reporting.

Skills

DSA

Working Capital Management

corporate banking

Education

Masters in Finance

Job description

Senior Relationship Manager - Mid Market

ABG105243

• Financial Services
• Maharashtra

Posted On 29 May 2026

End Date 25 Nov 2026

Required Experience 4 - 15 years

Basic Section

No. Of Position 1

Grade 10

Level NA

Organisational

DEPARTMENT-1 Mid Market

Country India

State Maharashtra

Skills

Skill

DSA Working Capital Management corporate banking

Under Graduate

CERTIFICATION

Job Description

Job Description – Relationship Manager / Senior Relationship Manager

Enriching Lives Winning as ONE

ABC Company Info:

Aditya Birla Capital Limited ("ABCL") is the holding company for the financial services businesses of the Aditya Birla Group. With subsidiaries/JVs that have a strong presence across Protecting, Investing and Financing solutions, ABCL is a financial solutions group that caters to the diverse needs of its customers across their life cycle. Powered by more than 38,000 employees, the businesses of ABCL have a nationwide reach with over 1300 branches, more than 2,00,000 agents/channel partners and various bank partners.

Aditya Birla Finance Limited:

Aditya Birla Finance Limited ("ABFL"), a subsidiary of Aditya Birla Capital Limited, is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in the areas of personal finance, mortgage finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication.

What makes an ideal ABC Citizen?

At ABC, we are constantly on the lookout for individuals who resonate with our 5 core values of Speed, Passion, Integrity, Seamlessness and commitment and live them every day, while also understanding our vision. We believe in building leaders who thrive on challenges, take the onus of creating and sustaining strong teams, and forms strong networks as a result of effective relationship-building.

Business

Unit

Aditya Birla Finance Limited

Location

Role

Relationship Manager / Senior Relationship Manager

Department

Mid-Market & Supply Chain

Eligibility Criteria

Masters in Finance, 5-7 Years of Relevant Experience

• The Mid Market and Supply Chain function is responsible for financing the short-term, medium-term, and long-term working capital and supply chain needs of SMEs through a suite of customized products with varied tenures.
• The key business metrics for success include loan book size, profitability, and a zero-tolerance approach to delinquency.
• A strong understanding of business finance, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge.
• Deep knowledge of local market dynamics—including specific occupations/trades, industries, and local financial and investment preferences—is critical for structuring loans effectively and identifying new business opportunities.
• Expand market share in targeted locations and outpace competition.
• Continuously upgrade financial acumen, including knowledge of loan structuring methods and business financials, to build trust and credibility with customers.
• Stay informed about recent market trends and evolving local market preferences to align with customer needs.
• Ensure strong credit quality by conducting effective portfolio selection and pre-screening to minimize the risk of non-performing assets (NPAs).
• Safeguard financed amounts by conducting post-sanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the financing.

Key Responsibilities:

1. Sales Growth

• Drive pipeline funnel to achieve book size and market share.
• Monitor local market trends and competitive offerings, identifying opportunities for business expansion in the region.
• Ensure minimal client attrition through strong client engagement activities.
• Regularly engage with investment bankers, chartered accountants, and brokers to source new business.
• Raise escalation on delinquent cases/potential NPAs and closely monitor these through the team for collection dues.
• Track key accounts in the portfolio for business health and early warning signs of NPAs.

2. Client Acquisition & Relationship Management

• Acquisition of new clients by identifying potential leads and conversion strategies.
• Increase area business volume through strong cross-selling initiatives and innovative product offerings.
• Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration with Credit Analysts.
• Utilize technology to improve operational efficiencies and responsiveness in customer service, ensuring retention of existing customers.

3. Disbursal - Timely Loan Disbursement with Proper Documentation

• Coordinating with internal stakeholders to process loan applications.
• Responding to queries from internal teams to ensure timely and accurate disbursal.
• Completing transactions with customers with the appropriate documentation.
• Gather market intelligence on competitive strategies, policies, and processes regularly.
• Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly.
• Track overdue accounts daily for the business and ensure timely collections.
• Intervene to ensure collection on initial overdue accounts in a timely manner.
• Ensure profitability by applying appropriate pricing strategies and processing fees.
• Implement cost management initiatives on a timely and accurate basis.

6. Organization Process Efficiency

• Adhere to all processes for both pre and post-sourcing activities.
• Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance.

Disclaimer

Aditya Birla Capital is committed to provide equal opportunity to all in employment and prohibits discrimination or harassment in any form on the basis of race, colour, religion, ethnicity, age, gender, disability or any other characteristic protected by law. Diversity, Equity and Inclusion (DEI) is embedded in our recruitment policies based on our business needs and candidates meeting the eligibility criteria such as qualification, skills and experience.