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 new-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 new 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 strong 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 enhance brand visibility
• Act as backup RM for selected accounts to ensure continuity of service What We Are Looking For Education Graduate Degree: B.
Tech/B.
Com/BA/BSc from an accredited university (full time) Postgraduate (Preferred): MBA/PGDM or CA/ICWA (Premier/Tier I preferred; Tier II/III considered based on profile) Experience 6–12 years of relevant experience in mid-corporate/commercial banking in private or public sector banks Skills and Attributes Technical

Skills:
Strong knowledge of banking products, credit and financial analysis, and regulatory compliance Proficiency in advanced MS Excel, PowerPoint, CRM systems, and LOS/LMS platforms Functional

Skills:
Stakeholder management, term sheet negotiation, pipeline management, proposal writing, and process improvement Behavioral

Skills:
Customer-centric mindset, strong communication (verbal and written), resilience, adaptability, collaboration, and ownership

📌 Relationship Manager (Mumbai)
🏢 IDFC FIRST Bank
📍 Mumbai