Job Description
5 - 12 years
Any Graduate
Working Capital
10 ~ 17 LPA
Job Title : Relationship Manager- BBWC
Business Unit (PA) : Business banking Working Capital
Reports to (job) : Cluster Head
Location of role : Pan India
Job Function : Sales
Role Type: Individual Contributor
No of direct reportees: Nil
Travel Required : More than Moderate in Metros, Urban and more extensive in semi urban / rural locations depending
upon the branches being managed
Job Purpose
Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG relationships depending on the geography covered and the branches mapped to the RM and maintain HNW relationship management of the BBG customers in order to provide quality service to the customers.
Job Purpose Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG relationships depending on the geography covered and the branches mapped to the RM and maintain HNW relationship management of the BBG customers in order to provide quality service to the customers.
Job Responsibilities(JR) : 6 – 8 Areas
Actionable (4-6)
Business Development
To achieve overall business targets on volumes and profitability for BBG customers.
To regularly interact with the branches for lead generation for BBG, updates on the leads in CRM, ensuring conversions and following complete lead conversion process.
Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with branch banking team.
RMs have to follow the laid down sales process which involves updation of the regular client calls for both existing and prospective clients. These calls should be done in a structured manner either individually or with support groups, branches or supervisors.
These calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.
Monthly review to be done with various product groups and supervisors who support the RM’s portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
Improvement on yield for the Bank so that the Portfolio has a strong Return on capital at RM portfolio level.
8.
+. Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement sign off from customers,
including deferral closure
Ensuring cross selling of complete liabilities, corporate salary accounts, other asset products, TPP to the existing Relationships and its raised group accounts.
Increasing the IPH and CTG to ensure revenue maximization.
Customer relationship management
Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer.
Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities
CAM Preparation & query resolution
Customer negotiation on rates and other issues relating to charges.
Daily servicing of customer w.r.t. Cheque referrals, customer queries related to Banking, Issuance of Cheque books, managing cash deposition / withdrawal issues, solvency certificates, trade & Fx transaction, etc.
To make sure high level of client satisfaction. 7.
Coordinating with internal and external stakeholders
Co-ordination with credit for CAM approval, deferral waiver /
extension & other customer requirements like Buyers credit, TOD’s
Co-ordination with local Ops for disbursements, TOD limit setting, submission of Stock Statement.
Coordinating with trade desk and customer for smooth LC/BG issuance, and for import / export payment, BG invocation, LC payment
E-Net, CMS and cross sell of other such products.
Ensuring Compliance and Health check of portfolio
Portfolio review and remedial management which includes managing exits, line reductions, recovery and restructuring of exposures. Management of stress and critical accounts.
Also ensuring completion of Housekeeping pendencies including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visit, Site visit etc.
Follow-up and regularization of TOD’s
High value transaction reporting and tracking.
Educational Qualifications
Key Skills
Post Graduate in Finance or Chartered Accountant
Strong understanding of Financials and Balance sheets
Strong Relationship Management skills
Sales and Influencing Skills
Strong Analytical ability
Good Interpersonal and Negotiation skills
Understanding of the Banking Industry
Understanding of the SME sector
Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
Customers
Credit underwriting team
Branch Banking Team
Operations
Treasury
Salary Team
Private Banking Group
Legal & Audit
Lawyers and Valuers
BIU (Finance)
Retail Assets (Auto Loan, Home Loan)
Credit Cards, Digital teams for Payzapp, E-net, TON etc.
Insurance , General and Life
Any Graduate
Working Capital
10 ~ 17 LPA
Job Title : Relationship Manager- BBWC
Business Unit (PA) : Business banking Working Capital
Reports to (job) : Cluster Head
Location of role : Pan India
Job Function : Sales
Role Type: Individual Contributor
No of direct reportees: Nil
Travel Required : More than Moderate in Metros, Urban and more extensive in semi urban / rural locations depending
upon the branches being managed
Job Purpose
Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG relationships depending on the geography covered and the branches mapped to the RM and maintain HNW relationship management of the BBG customers in order to provide quality service to the customers.
Job Purpose Acquisition of new asset relationships through various channels and managing a portfolio of 30-40 BBG relationships depending on the geography covered and the branches mapped to the RM and maintain HNW relationship management of the BBG customers in order to provide quality service to the customers.
Job Responsibilities(JR) : 6 – 8 Areas
Actionable (4-6)
Business Development
To achieve overall business targets on volumes and profitability for BBG customers.
To regularly interact with the branches for lead generation for BBG, updates on the leads in CRM, ensuring conversions and following complete lead conversion process.
Market scoping and identifying the potential customers with wallet share for all BBG customers and product penetration and strategy for achievement under various initiatives jointly with branch banking team.
RMs have to follow the laid down sales process which involves updation of the regular client calls for both existing and prospective clients. These calls should be done in a structured manner either individually or with support groups, branches or supervisors.
These calls should be updated in the CRM systems for future guidance and monitoring of accounts and also to assign tasks & leads to other departments.
Monthly review to be done with various product groups and supervisors who support the RM’s portfolio (plan Vs achievement) and other cross function teams to ensure better product penetration.
Improvement on yield for the Bank so that the Portfolio has a strong Return on capital at RM portfolio level.
8.
+. Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement sign off from customers,
including deferral closure
Ensuring cross selling of complete liabilities, corporate salary accounts, other asset products, TPP to the existing Relationships and its raised group accounts.
Increasing the IPH and CTG to ensure revenue maximization.
Customer relationship management
Relationship building with both internal and external customer of the RM. Client satisfaction and taking care of all banking needs of the customer.
Preparation of customer profiling sheet and identifying cross sell and revenue increasing opportunities
CAM Preparation & query resolution
Customer negotiation on rates and other issues relating to charges.
Daily servicing of customer w.r.t. Cheque referrals, customer queries related to Banking, Issuance of Cheque books, managing cash deposition / withdrawal issues, solvency certificates, trade & Fx transaction, etc.
To make sure high level of client satisfaction. 7.
Coordinating with internal and external stakeholders
Co-ordination with credit for CAM approval, deferral waiver /
extension & other customer requirements like Buyers credit, TOD’s
Co-ordination with local Ops for disbursements, TOD limit setting, submission of Stock Statement.
Coordinating with trade desk and customer for smooth LC/BG issuance, and for import / export payment, BG invocation, LC payment
E-Net, CMS and cross sell of other such products.
Ensuring Compliance and Health check of portfolio
Portfolio review and remedial management which includes managing exits, line reductions, recovery and restructuring of exposures. Management of stress and critical accounts.
Also ensuring completion of Housekeeping pendencies including CAM renewals, deferral closure, Call memos, stock statements, insurance renewals, Plant visit, Site visit etc.
Follow-up and regularization of TOD’s
High value transaction reporting and tracking.
Educational Qualifications
Key Skills
Post Graduate in Finance or Chartered Accountant
Strong understanding of Financials and Balance sheets
Strong Relationship Management skills
Sales and Influencing Skills
Strong Analytical ability
Good Interpersonal and Negotiation skills
Understanding of the Banking Industry
Understanding of the SME sector
Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties)
Customers
Credit underwriting team
Branch Banking Team
Operations
Treasury
Salary Team
Private Banking Group
Legal & Audit
Lawyers and Valuers
BIU (Finance)
Retail Assets (Auto Loan, Home Loan)
Credit Cards, Digital teams for Payzapp, E-net, TON etc.
Insurance , General and Life
💡 Quick Summary
Seeking a career-building opportunity? The Relationship Manager | Business Banking Working Capital position is now open for candidates interested in the Bank Jobs sector. This role in Pune offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.