Business Banking Relationship Manager

Job Description Relationship Manager, Business Banking

Job Title: Relationship Manager Business Banking
Department: Business Banking / SME / MSME
Location: kOLKATA, MUMBAI
Reports To: Cluster Head / Branch Head
Experience: 3–8 years in Business Banking, SME/MSME Banking, Commercial Banking, or Relationship Management

Job Purpose

The Relationship Manager – Business Banking will be responsible for acquiring new business customers, managing an assigned portfolio of SME/MSME clients, deepening existing relationships, and delivering customized banking solutions across lending, deposits, trade finance, forex, cash management and other banking products. The role combines sales, relationship management, credit understanding, portfolio monitoring and customer service. J Jobaaj+1

Key Responsibilities

• Acquire New-to-Bank (NTB) SME/MSME and business banking customers through direct sourcing, referrals, branch leads, market visits and networking.
• Develop and maintain strong relationships with business owners, promoters, CFOs and key decision-makers.
• Understand customers' business models, financial requirements, working-capital cycles and future funding needs.
• Achieve assigned targets for business loans, working capital, term loans, deposits, current accounts and fee-based products.
• Cross-sell and deepen relationships through trade finance, forex, cash management, insurance and other relevant banking solutions.
• Analyze financial statements, cash flows, banking conduct and credit requirements to assess customer eligibility and structure suitable proposals.
• Coordinate with Credit, Risk, Operations, Legal, Product and Branch teams for timely processing and disbursement.
• Prepare/coordinate credit appraisal/CAM documentation, financial analysis and required customer documents.
• Manage portfolio quality through timely renewals, limit enhancements, stock statements, insurance, documentation and other credit requirements.
• Monitor overdue accounts, covenant compliance, stress indicators and portfolio hygiene; initiate corrective action where required.
• Maintain regular customer contact through structured calls and visits to improve retention and wallet share.
• Ensure high-quality customer service and timely resolution of customer queries.
• Maintain accurate CRM records, sales pipeline and regular reporting.
• Identify market opportunities, competitor activity and potential sectors for business acquisition.
• Ensure complete compliance with the bank's KYC, AML, credit and operational policies.

These responsibilities reflect current Business Banking RM roles in India, where employers commonly combine NTB acquisition, portfolio management, credit assessment, cross-selling, customer service and compliance.

Key Performance Indicators (KPIs)

• New customer acquisition
• Loan/asset book growth
• Working capital and term-loan disbursement
• Current account and deposit growth
• Fee income / revenue generation
• Cross-sell and wallet share
• Portfolio quality and delinquency
• Renewal and enhancement turnaround
• Customer retention and satisfaction
• CRM and compliance discipline

Candidate Profile

Education

• Graduate in any discipline.
• MBA/PGDM in Finance or Marketing preferred.
• CA/CFA or other relevant professional qualification is an advantage. J

Experience

• 3–8 years of relevant experience in Business Banking, SME/MSME Banking, Commercial Banking, Working Capital, Credit or Relationship Management.
• Experience in acquiring and managing business banking clients is preferred.

Required Skills

• Strong sales and business-development orientation
• Excellent relationship-management and communication skills
• Understanding of financial statements and credit assessment
• Knowledge of working-capital and business-loan products
• Strong negotiation and influencing skills
• Customer-centric approach
• Good analytical and problem-solving ability
• Knowledge of banking compliance and documentation
• Ability to work with multiple internal stakeholders
• Willingness to travel for client meetings and market visits