Job Description Relationship Manager Business Banking Group

Position: Relationship Manager Business Banking
Department: Business Banking Group
Function: Business Banking / SME Banking
Role Type: Sales & Relationship Management

About the Role

We are looking for a dynamic and result-oriented Relationship Manager Business Banking to manage and grow relationships with existing and prospective business customers. The role involves acquiring new clients, managing a portfolio of business banking customers, understanding their financial requirements, and offering suitable banking solutions.

Key Responsibilities

• Manage and develop a portfolio of Business Banking / SME customers.

• Acquire new business customers through market mapping, referrals, networking, and direct sourcing.

• Build strong and long-term relationships with SME, MSME, and business clients.

• Understand customer business models, financial requirements, and banking needs.

• Drive business through Working Capital, Term Loans, Business Loans, Current Accounts, Trade Finance, Forex, CMS, and other banking products.

• Generate quality leads and convert prospects into profitable customer relationships.

• Achieve assigned sales, revenue, portfolio growth, and acquisition targets.

• Identify cross-selling and up-selling opportunities across the bank's product portfolio.

• Coordinate with credit, operations, product, and service teams for smooth processing of customer requirements.

• Ensure timely submission of credit proposals and required customer documentation.

• Monitor portfolio quality, customer transactions, and overall relationship profitability.

• Ensure compliance with KYC, credit, risk, and regulatory guidelines.

• Conduct regular customer meetings and maintain strong engagement with key decision-makers.

• Monitor competitor activities and identify new business opportunities within the assigned market.

Candidate Profile

• Graduate/Postgraduate with relevant experience in Business Banking, SME/MSME Banking, Commercial Banking, or Relationship Management.

• Experience in acquiring and managing business banking customers will be preferred.

• Strong understanding of Working Capital, Business Loans, Current Accounts, Trade Finance, CMS, and related banking products.

• Excellent communication, negotiation, presentation, and relationship-management skills.

• Strong sales orientation with a proven ability to achieve business targets.

• Good knowledge of the local business market and customer ecosystem.

• Ability to generate business through direct sourcing, references, and market visits.

Key Skills

Business Banking | SME/MSME Banking | Relationship Management | Customer Acquisition | Working Capital | Current Accounts | Trade Finance | CMS | Business Loans | Cross-Selling | Portfolio Management | Sales & Business Development

Key Performance Indicators

• New customer acquisition

• Business banking portfolio growth

• Revenue and fee income generation

• CASA and liability growth

• Working capital / loan book growth

• Cross-sell and product penetration

• Customer retention and relationship profitability

Location: As per business requirement
CTC: As per company norms / Based on experience and profile