Job Requirements
About the Role
As a Relationship Manager – Commercial Banking, you will be responsible for acquiring and managing mid-corporate clients to drive sustainable revenue and portfolio growth across assets and liabilities. The role emphasizes current-to-bank (NTB) acquisition, cross-selling transaction banking products (such as Cash Management Services, Trade Services), and offering treasury/FX solutions. You will ensure portfolio quality, compliance with risk policies, and deliver exceptional client experience through collaboration with internal teams.
Key Responsibilities
Primary Responsibilities
Business Development:
• Acquire and onboard recent mid-corporate clients
• Achieve targets for fund-based and non-fund-based products (working capital loans, term loans, trade finance)
• Cross-sell products such as treasury services, CMS, forex, and salary accounts

Revenue Generation:
• Meet income targets from interest and fee-based products
• Increase wallet share by offering tailored solutions

Client Relationship Management:




• Build and maintain robust relationships with key decision-makers
• Ensure high client satisfaction through regular engagement and timely issue resolution

Risk Management:
• Monitor client creditworthiness and ensure compliance with risk policies
• Minimize NPAs by maintaining a healthy portfolio
• Prepare CAM for NTB and ETB renewals; monitor covenants for existing contracts

Collaboration:
• Work closely with product, credit, and operations teams for seamless service delivery

Secondary Responsibilities
• Maintain CRM hygiene by logging calls, updating opportunities, and ensuring KYC compliance
• Provide market intelligence on sectors, competitors, and pricing; contribute to AOP planning
• Prepare MIS and portfolio analytics (utilization, profitability, cross-sell ratios) for governance forums
• Support audits and compliance reviews; close observations within timelines
• Represent the bank at client events, trade bodies, and webinars to e

📌 Relationship Manager Mumbai
🏢 IDFC FIRST Bank
📍 Mumbai