Job Description:

Role Objective

To acquire, manage and grow mid-corporate client relationships (typically ₹100–₹750 Cr turnover segment) by delivering credit solutions, liability products, and transaction banking services while ensuring portfolio quality and compliance.

? Key Responsibilities

1️⃣ Client Acquisition & Relationship Management

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Identify & onboard mid-corporate clients in Chennai region

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Build multi-level relationships with promoters, CFOs, and treasury heads

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Manage end-to-end client onboarding, documentation & compliance

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Drive customer satisfaction and wallet share growth

2️⃣ Credit & Risk Management

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Assess borrowing requirements & structure credit proposals (Working Capital / TL / NFB)

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Financial statement analysis: ratios, cash flows, capital structure, industry benchmarking

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Prepare Credit Appraisal Memos for internal approvals

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Monitor portfolio health – reviews, renewals, early warning signals

3️⃣ Business Growth & Revenue Generation

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Deliver AOP targets for:

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Asset Book Growth (WC, CC, OD, BG, LC, TL, LAP, etc.)

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Liabilities Mobilization (CA / SA / Term Deposits)

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Transaction Banking (CMS, FX, Trade Finance)

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Cross-sell treasury, cash mgmt., corporate salary, digital solutions

4️⃣ Compliance & Governance

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Maintain strict adherence to KYC/AML, RBI norms & internal risk policies

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Ensure clean portfolio — manage overdue positions & CMA breaches

? Required Skills & Competencies

Skill Category
Required Expertise

Financial Analysis
Balance sheet/PL/CF analysis, banking ratios

Credit Structuring
WC, BG/LC, TL, external ratings

Sales & Negotiation
Corporate decision-making engagement

Regulatory Knowledge
RBI guidelines, FEMA, Trade Finance

Collaboration
Work with product, legal, ops, credit & treasury teams

? Qualifications

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MBA / PGDM in Finance / CA preferred

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4–10+ years experience in Corporate / Mid-corporate Banking

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Robust Chennai corporate market understanding & network

? Key Performance Indic

📌 Kotak Mahindra Bank/ RM (Chennai)
🏢 Acura Solution
📍 Chennai