WBCG:MC - Relationship Manager

Job Description

About Wholesale Banking Coverage Group:

The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities.

About the Role:

The role involves relationship management with the key account holders of the Bank to ensure deepening of accounts and thus generating revenue.

Key Responsibilities:

• Source new customers to generate revenue for fund Based and non-fund based products and increase customer base
• Strengthen relationship with existing customer base so as to generate sustained business and identify opportunities for cross sell.
• Ensure prudent portfolio management and diversification of risk in partnership with the Credit Team to achieve portfolio quality
• Ensure implementation of due processes, guidelines and Bank's code of conduct in all transactions, sanctions, disbursals and post disbursal activities.
• Review daily/ periodic reports with a view to identify business opportunities, act upon early warning signals highlighted by the central teams, implement exit plan for stress accounts
• Provide feedback to Risk Management/ Product Policy / Process Monitoring Teams for streamlining the processes to ensure TAT reduction, Risk Diversification and Inclusive policy.
• Ensure Product Per Customer (PPC) growth in the allocated portfolio in the defined set of products
• Ensure prudent implementation of Digital initialization taken by the Bank in alignment with the GoI/ GoM initiatives by critically analyzing the cost benefit to the bank.
• Ensure replication of Centrally Sponsored Schemes (CSS) and State Sponsored Schemes (SSS) across given portfolio.
• Ensure throughput of CDBT and GST taxes from given portfolio and assist the Nodal officer as and when required.
• Review existing portfolio and constantly updating of Re-KYC, PAN nos and Covenant compliance as per the Banking standards

Qualifications:

Optimal qualification for success on the job is:

• Graduation/ Post- Graduation (MBA preferred) from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

• Knowledge of banking CMS/ Sector Specific/ Customized Banking applications/ products and services
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the Regional language
• Ability to manage complex client situations
• Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
• Ability to handle pressure and meet deadlines