Relationship Manager – Working Capital Finance

Axis Bank Ltd. | Commercial Banking / Working Capital Group

Job Summary

Responsible for business development, client relationship management, credit assessment, and portfolio growth in the Working Capital and Commercial Banking segment. Focused on providing customized lending and trade finance solutions to corporates, SMEs, and mid-market clients while ensuring portfolio quality, regulatory compliance, and achievement of business targets.

Key Responsibilities
- Business Development & Client Acquisition: Source and acquire current-to-bank clients across manufacturing, trading, services, infrastructure, healthcare, education, and other sectors for working capital and commercial lending requirements.
- Working Capital Financing: Structure and offer Cash Credit (CC), Overdraft (OD), fund-based limits, WCDL, and other working capital facilities based on business requirements and operating cycles.
- Credit Assessment & Financial Analysis: Analyze financial statements, CMA data, projected financials, cash flows, balance sheets,



profitability, leverage, liquidity, and working capital gaps to assess creditworthiness and repayment capacity.
- Trade Finance & Non-Fund-Based Facilities: Provide Bank Guarantees (BG), Letters of Credit (LC), Buyers’ Credit, Export Packing Credit (EPC), Post-Shipment Credit, PCFC, and other domestic and international trade finance solutions.
- Structured & Specialized Lending: Evaluate and structure Term Loans, Loan Against Property (LAP), Equipment Finance, Channel Finance, CGTMSE-backed facilities, and banking-surrogate lending solutions in line with bank policy.
- Credit Proposal Preparation: Prepare credit appraisal notes, financial analysis, CMA reports, industry assessments, risk evaluations, and proposals for internal credit approval.
- Relationship Management: Build and maintain relationships with promoters, CFOs, finance heads, chartered accountants, DSAs, consultants, and other business inte

📌 Relationship Manager working capital (Noida)
🏢 Axis Bank
📍 Noida