Relationship Manager - Emerging Enterprises Group (EEG)

Job Title:

Locations:

Roles & Responsibilities:

• Manage and expand a portfolio of

  Emerging Enterprises (MSME)

  clients with a strong focus on

  Working Capital finance

  and

  customized banking solutions

  .
• Act as the

  primary relationship owner

  , responsible for client acquisition, engagement, portfolio deepening, and retention through proactive client interactions and financial discussions.
• Handle the

  entire credit lifecycle

  including client onboarding, financial analysis, credit proposal preparation, documentation, and coordination with internal teams (credit, legal, risk, operations) to ensure timely processing and disbursal.
• Structure and deliver tailored financial solutions such as

  Working Capital Loans, Cash Credit (CC) Limits, Overdraft (OD) Facilities, Term Loans, and Business Loans

  aligned to client requirements.
• Ensure timely

  renewal of credit limits

  , adherence to sanctioned terms (CAM/OBA), and accurate record-keeping via internal systems (CRM, SPE, call memos).
• Closely monitor

  portfolio performance

  , identify early warning signals, and coordinate with collections/risk teams to manage and resolve delinquencies.
• Serve as a

  single point of contact

  for clients, ensuring high service standards, timely query resolution, and trust-based relationship management.
• Collaborate actively with

  branch teams

  via daily huddles, joint visits, and reviews to drive conversions and activate new relationships.
• Participate in

  marketing activities

  , lead generation campaigns, and

  local sourcing drives

  to boost business visibility and client acquisition.
• Ensure full

  regulatory and internal compliance

  across documentation, KYC, credit evaluation, legal coordination, and reporting.
• Provide periodic

  business updates to cluster leadership

  , aligning individual goals with the broader strategic vision of the Emerging Enterprises Group.

Preferred candidate profile

• Education:

  Graduate / MBA / CA

• Experience:

  3-10 years in relationship management or sales within Banking/NBFC

• Skills:

  Strong interpersonal skills, multitasking, pressure handling, and coordination across teams

• Others:

  Willingness to travel moderately and meet business targets through proactive client engagement.

Seek resolution post discussing with Customer

• Interpersonal Skills
• Coordination with multiple teams & multiple activities

Ability to work under pressure