Senior Relationship Manager - Commercial Banking

Job Requirements . Role/ Job Title: Senior Relationship Manager-Commercial Banking. Business: Wholesale Banking. Function/ Department: Commercial Banking. Job Purpose. ' Own end‑to‑end acquisition and relationship management of mid‑corporate clients to deliver sustainable revenue and book growth across assets and liabilities, with a strong focus on new‑to‑bank (NTB) acquisition and activation and on cross‑sell of transaction banking products e.g., Cash Management Services (CMS), Trade Services—and treasury/FX solutions, while maintaining portfolio quality, ensuring compliance with risk policies, and orchestrating seamless service through cross‑functional collaboration. Roles & Responsibilities. ' 1. Business Development. o Acquire new mid-corporate clients and onboard them successfully. o Achieve targets for fund-based and non-fund-based products, such as working capital loans, term loans, and trade finance. o Cross-sell products like treasury services, cash management services, forex services, salary accounts, etc. 2. Revenue Generation. o Meet income targets from interest and fee-based products for both assets and liabilities. o Focus on increasing wallet share by offering customized solutions to clients. 3. Client Relationship Management. o Build and maintain strong relationships with key decision-makers in client organizations. o Ensure high client satisfaction scores through regular engagement and prompt issue resolution. 4. Risk Management. o Monitor the creditworthiness of clients and ensure compliance with the bank's risk policies. o Minimize non-performing assets (NPAs) by maintaining a healthy portfolio. o Ensure CAM preparation for NTB as well as for ETB renewals and covenant monitoring for existing contracts. 5. Team Collaboration. o Work closely with product teams (e.g., treasury services, cash management services, forex services) to meet client needs. o Coordinate with credit and operations teams for seamless service delivery. Secondary Responsibilities. ' Maintain CRM hygiene: log calls/opportunities, update next actions, and keep KYC/periodic reviews current. Provide market intelligence on sectors/competitors/pricing; contribute to AOP planning and campaigns. Prepare MIS/portfolio analytics (utilization, profitability, cross‑sell ratios) and present in governance forums. Support audits and compliance reviews; close observations within agreed timelines. Represent the bank at client events, trade bodies, and webinars; build brand visibility. Act as back‑up RM for selected accounts to ensure continuity of service. Qualifications. Graduate - B.Tech/B.Com/BA/BSc. Post Graduate - MBA/PGDM or Postgraduate / CA/ICWA (treated as PG‑equivalent for this role). Years of Experience. 8-12 years of relevant experience in pvt or public sector bank.