Job Title

Relationship Manager - Business Banking Working Capital (RM-BBWC)

Business Unit

Business Banking Working Capital

Reporting To

Cluster Head

Job Function and Role Type

Sales, Individual Contributor, Travel Required: Extensive in semi-urban/rural areas, moderate in metros/urban areas.

Version No

Job Purpose

Acquire current asset relationships through various channels and manage a portfolio of 30-40 BBG relationships. Maintain high-net-worth relationship management to deliver quality service and achieve business objectives.

Key Responsibilities

Business Development

Achieve business targets on volumes and profitability for BBG customers; Generate leads through branch interaction, update CRM, and ensure lead conversion; Identify potential customers, enhance product penetration, and strategize with branch teams; Conduct structured client calls, update CRM, and assign tasks to departments; Review portfolio performance with product groups and supervisors monthly; Ensure documentation pre- and post-disbursement and cross-sell liabilities, corporate salary accounts, and other products.

Customer relationship management

Build relationships with internal and external customers to ensure satisfaction; Prepare customer profiles, identify cross-sell opportunities, and resolve queries; Negotiate rates and charges with customers; Provide daily customer service, including cheque referrals, cash management, and trade transactions.

Education:

Postgraduate in Finance or Chartered Accountant.

Certifications:





None specified.

Key Competencies

Relationship management, sales and influencing, analytical ability, interpersonal and negotiation skills, understanding of banking and SME sectors.

Major Stakeholders

Customers, credit underwriting team, branch banking team, operations, treasury, legal and audit, and other cross-functional teams.

Skills

Refer to the Job Description

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 BBWC-RM (Srinagar)
🏢 HDFC Bank
📍 Srinagar