Job Title

Relationship Manager

Reporting To

Cluster Business Leader

Business Unit

Commercial Banking

Grade/ Level

G7

Sub Business Unit

Medium Enterprises

Management Band

Junior Management

Location

Hyderabad

Section II: JOB ROL SCOPE

Number of Direct Reports

NA

ECTION III: PURPOSE OF THE ROLE

- Drive acquisition of current-to-bank clients and deepen existing relationships be delivering a comprehensive suite of banking products and solutions
- Achieve agreed objectives across assets, liabilities, and fee income, with a focus on sustainable growth, cross-sell and increased wallet share
- Meet clients requirements through seamless coordination with internal teams, ensuring superior service delivery, adherence to risk and compliance standards, and continuous improvement in VOC scores.

SECTION IV: KEY RESPONSIBILITIES & KPIS OF THE ROLE

Responsibilities

Strategy & Planning

- Formulate and execute client acquisition and portfolio growth strategies in alignment with the Bank's overall business objectives.
- Define performance goals at the beginning of the year in consultation with reporting managers and continuously track progress.
- Translate market insights and client intelligence into actionable business plans.
- Contribute to product and process enhancements by providing structured feedback from client and market interactions

Core Responsibilities

Revenue Generation

- Deliver financial targets relating to earnings, asset growth, liability mobilization, and fee income across multiple product groups.
- Optimize profitability by balancing pricing, portfolio mix, and capital utilization.
- Identify cross-selling opportunities to maximize wallet share and deepen client engagement

Relationship Management

- Acquire and cultivate new client relationships by understanding their financial and strategic requirements
- Act as the trusted advisor and single points of contact for clients,



ensuring long-term partnership and retention
- Drive superior customer experience through proactive engagement and high-quality service delivery

Communication/PR of Bank's products

- Undertake brand communication initiatives to reinforce the Bank's positioning in the market.
- Effectively articulate product value propositions through structured presentation, workshops, and client meetings
- Differentiate the Bank's offerings from competition through solution-driven engagement.

Market Research

- Demonstrate deep understanding of clients industries, market conditions, and competitive landscape through primary and secondary research.
- Anticipate client needs by analyzing sectoral trends, regulatory changes, and economic conditions
- Provide actionable insights to product, credit and strategy teams for portfolio development

Credit Appraisal

- Conduct rigorous analysis of client financials including income statements, balance sheets, cash flows, ratios and projections
- Evaluate management quality, industry risk, and economic factors to structure sound credit proposals.
- Ensure timely renewals, reviews and continuous monitoring of portfolio exposures

Documentation and Compliance

- Maintain the highest standards of documentation, ensuring accuracy, completeness, and legal soundness
- Ensure strict adherence to regulatory requirements (KYC, AML, FEMA, RBI guidelines)
- Coordinate with risk, operations, and product teams to ensure seamless compliance across the transaction lifecycle.
- Build expertise in both traditional and digital banking solutions,



including CMS and API base offerings.

Self-Management Responsibilities

- Define annual performance objectives with reporting managers and ensure consistent progress tracking
- Take ownership of personal learning by identifying developments needs and bridging gaps through training, mentoring, and industry exposure
- Demonstrate mastery of role-specific competencies and actively develop new capabilities
- Stay abreast of industry developments, regulatory changes, and emerging best practices through continuous education and professional networking

Risk and Internal Control

- Rigorously apply the Bank's risk policies and frameworks to mitigate credit, operational, reputational, and compliance risks
- Monitor early warning signals in the portfolio and initiate timely correction action
- Ensure audit readiness through disciplined information management, documentation, and adherence to internal control systems
- Promote a culture of compliance and risk awareness across all client and internal interactions

SECTION V: OPERATING NETWORK

Key interactions which are essential to execute the role. This will include both internal (excluding sub-ordinates) and external stakeholders.

Internal

Risk team: For assessment of working capital limits to clients.

OSD/CSD: For limit set up and trade transactions

External

Trade & Business Associations: For tie ups and generating leads for acquisition of Trade clients.

Interact with credit bureaus and relevant stakeholders

SECTION VI: ROLE PROFILE REQUIREMENTS

Minimum Qualification Which Are Essential To Execute The Role.

Education

- Essential: Bachelor's degree in any field
- Preferred: Master's degree is preferred

Experience

Essential A minimum of 2-6 years of relevant experience with at least 2-3 years in a similar role

Prior experience in BFSI sector/General industry in Relationship manager's role

📌 Relationship Manager (Coimbatore)
🏢 Yes Bank
📍 Coimbatore