Location: Mumbai / Delhi / Hyderabad / Chennai / Bengaluru
Experience: 5+ Years
Industry: Banking / NBFC / Financial Services
Role Overview
We are looking for an experienced Relationship Manager – Commercial Lending to drive acquisition and relationship management of Mid Corporate clients. The role will be responsible for acquiring new relationships, managing the existing client portfolio, generating asset and fee-based revenues, and ensuring a high-quality, non-delinquent asset book.
Key Responsibilities
- Source and acquire new relationships within the Commercial Mid-Market segment, focusing on companies with turnover above 200 Cr.
- Manage and deepen relationships with existing Mid Corporate / Corporate clients.
- Build a diversified portfolio through Asset NII, Fee Income and Cross-Sell opportunities.
- Identify and source lending opportunities in line with the organisation's prescribed credit and lending norms.
- Maintain strong focus on credit quality and portfolio health.
- Monitor sourced accounts regularly, track customer business performance and identify Early Warning Signals (EWS).
- Take appropriate corrective actions to ensure the portfolio remains robust, healthy and non-delinquent.
- Track progress against agreed business metrics and deliver assigned targets within stipulated timelines.
- Monitor developments in the respective market and provide relevant business insights and feedback to the management.
- Manage and coordinate effectively with internal stakeholders such as Credit, Risk,
Operations and Product teams, as well as external stakeholders and clients.
- Identify opportunities to deepen client relationships through relevant lending and financial products.
Preferred Candidate Profile
- 5+ years of overall experience, with at least 3 years of experience in a Mid Corporate Relationship Manager role with a reputed Bank / NBFC.
- Proven experience in lending to Mid Corporate clients, preferably companies with turnover/revenue above 200 Cr.
- Strong understanding of Corporate Lending / Commercial Lending / Mid-Market Banking.
- Experience in managing corporate relationships, sourcing new-to-bank relationships and building an asset portfolio.
- Strong understanding of credit quality, portfolio monitoring and Early Warning Signals.
- CA / MBA Finance from a reputed institute preferred.
- Strong business acumen with the ability to evaluate and identify viable business opportunities.
- Excellent relationship management, networking, communication and presentation skills.
- Strong stakeholder management and coordination skills.
- Ability to work independently, manage priorities and complete assignments within stipulated timelines.
Key Skills Mid Corporate | Corporate Lending | Commercial Lending | Relationship Management | Corporate Banking | Mid-Market | New Client Acquisition | Business Development | Asset NII | Fee Income | Cross-Sell | Credit Quality | Portfolio Management | Early Warning Signals | Corporate Clients | Banking | NBFC | Financial ServicesRole & responsibilities