Relationship Manager Business Banking

Group Company: AU Small Finance Bank Limited

Designation: Relationship Manager Business Banking

Office Location:

Position description: #*Position description*#

Primary Responsibilities: #*Primary Responsibilities*#

Additional Responsibilities: #*Additional Responsibilities*#

Reporting Team

• Reporting Designation: #*Reporting Designation*#
• Reporting Department: #*Reporting Department*#
  
  

Educational Qualifications Preferred

#*Education and Experience*#

• Category: #*Category*#
• Field specialization: #*Field specialization*#
• Degree: #*Degree*#
• Academic score: #*Academic score*#
• Institution tier: #*Institution tier*#
  
  

Required Certification/s: #*Required Certification/s*#

Required Training/s: #*Required Training/s*#

Required Work Experience

• Industry: #*Industry*#
• Role: #*Role*#
• Years of experience: #*Years of experience*#
  
  

Job Brief:- AU Small Finance Bank Limited is seeking a seasoned professional to drive business growth and manage client relationships within the business banking segment. This role demands a strategic and client-focused individual who can identify and capitalize on new business opportunities, deliver tailored financial solutions, and maintain strong partnerships with small and medium enterprises. The ideal candidate will possess deep knowledge of financial products, regulatory compliance, and market dynamics, ensuring the bank's offerings align with client needs and contribute to sustainable revenue growth. This position plays a critical role in expanding the bank's footprint in the business banking sector while upholding the highest standards of customer service and risk management.

Responsibilities:-

• Develop and maintain strong relationships with business banking clients to understand their financial needs and provide customized banking solutions.
• Identify and acquire new business clients by leveraging market insights and networking within the local business community.
• Conduct comprehensive credit assessments and risk analysis to ensure compliance with the bank's lending policies and regulatory requirements.
• Collaborate with internal teams to structure and deliver appropriate financial products including loans, cash management, and trade finance services.
• Monitor client portfolios regularly to identify opportunities for cross-selling and upselling additional banking products and services.
• Ensure timely resolution of client queries and issues, maintaining high levels of customer satisfaction and retention.
• Prepare detailed business proposals, credit applications, and presentations for senior management and credit committees.
• Stay updated on industry trends, competitor activities, and regulatory changes to proactively advise clients and adjust strategies accordingly.
• Achieve assigned sales targets and contribute to the overall growth objectives of the business banking division.
• Maintain accurate records of client interactions, transactions, and compliance documentation in accordance with bank policies.
  
  

Skill:-

• Business Banking Relationship Management
• Credit Risk Assessment
• Financial Analysis and Reporting
• Loan Structuring and Documentation
• Client Acquisition and Retention
• Regulatory Compliance and Risk Management
• Cross-Selling and Upselling Techniques
• Negotiation and Communication Skills
• Market Research and Competitive Analysis
• CRM and Banking Software Proficiency
• Portfolio Management
• Customer Service Excellence
  
  

Preferred Qualifications:-

• Bachelor's degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
• Minimum of 5 years of experience in business banking or corporate relationship management within the financial services industry.
• Proven track record of managing and growing a portfolio of SME clients with a strong understanding of credit risk and financial analysis.
• In-depth knowledge of banking products, regulatory frameworks, and compliance standards relevant to business banking.
• Excellent communication, negotiation, and interpersonal skills with the ability to influence decision-making at various organizational levels.
• Proficiency in CRM software and banking systems to manage client data and sales pipelines effectively.
• Strong analytical and problem-solving abilities with attention to detail and accuracy.
  
  

Key Performance Indicators: #*Key Performance Indicators*#

Required Competencies: #*Required Competencies*#

Required Knowledge: #*Required Knowledge*#

Required Skills: #*Required Skills*#

Required Abilities

• Physical: #*Physical*#
• Other: #*Other*#
  
  

Work Environment Details: #*Work Environment Details*#

Specific Requirements

• Travel: #*Travel*#
• Vehicle: #*Vehicle*#
• Work Permit: #*Work Permit*#
  
  

Other Details

• Pay Rate: #*Pay Rate*#
• Contract Types: #*Contract Types*#
• Time Constraints: #*Time Constraints*#
• Compliance Related: #*Compliance Related*#
• Union Affiliation: #*Union Affiliation*#