Team Leader- Medium Enterprise - Corporate Banking- Lucknow

V Konnect; Lucknow; On-site; INR 800,000 - 1,100,000; Full time

Job summary

V Konnect in Lucknow seeks a seasoned Relationship Manager to lead portfolio management, deal structuring, and client relationship initiatives for top-tier clients.

You will oversee PMs, engage promoters and top management, drive revenue, conduct market research, credit appraisal, and ensure robust documentation and compliance. The role demands strategic thinking and strong communication to tailor banking solutions across product groups.

Qualifications

• Experience in portfolio management and deal structuring.
• Strong team leadership and people management abilities.
• Proven capability to engage with promoters/top management.
• Track record of revenue generation through client relationships.
• Expertise in client relationship management and needs-based consulting.
• Ability to communicate product positioning and branding for banking products.
• Familiarity with market research and competitive analysis.
• Experience in credit appraisal and financial statement analysis.
• Commitment to documentation quality and regulatory compliance.

Responsibilities

• Portfolio management and deal structuring to meet clients' financial needs and requirements.
• Overseeing management of various portfolios and ensuring client accounts are competently handled.
• Lead a group of Relationship Managers to achieve goals aligned with the bank's strategy.
• Engage and maintain relationships with top management and promoters of clients.
• Aim to meet bank objectives in earnings, assets, liabilities, and credit quality as per targets.
• Identify client needs and provide suitable banking solutions across product groups.
• Assess client needs and risks to optimize bank risk-reward.
• Undertake brand communication initiatives and product positioning messaging.
• Conduct market research to understand consumers, competition, and market conditions.
• Appraise proposals with detailed analysis of income statements, balance sheets, and cash flows.

Job description

Role & responsibilities

• Portfolio Management and Deal Structuring
  • Structuring and restructuring of deals in such a way so that they meet the clients financial needs and requirement
  • Overseeing management of various portfolios handled by the section leaders and ensuring that the client accounts are competently handled
• Team Management
  • Manage and lead a group of Relationship Managers to achieve their respective goals and objectives which are in line with the banks overall strategy and objective
• Promoter/ Top Management Relationship
  • Engage and maintain relationship with top management and promoters of the client on regular basis
  • Understand the promoters / top managements financial needs and challenges and provide suitable solutions for it
• Revenue Generation
  • Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups
• Relationship Management
  • Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services
  • Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal
  • Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank
• Communication/PR of Banks products
  • Undertakes brand communication initiatives for designated products
  • Communicates product positioning messaging that differentiates Banks products in the market
• Market Research
  • Illustrates understanding of consumers, competition and current market conditions through primary and secondary research
• Credit Appraisal
  • Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions
• Documentation and Compliance
  • To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group