Walk-in || Relationship Manager

Job Description: Relationship Manager Working Capital

Location: Gurugram, Haryana
Department: Corporate Banking / SME Banking / Working Capital Finance
Designation: Relationship Manager (RM) – Working Capital
Experience: 3–8 years (preferably in working capital finance or corporate/SME banking)

Job Summary

We are looking for a result-oriented Relationship Manager – Working Capital to manage and grow a portfolio of corporate and SME clients. The role involves acquiring new customers, managing existing relationships, assessing working capital requirements, structuring suitable credit solutions, and achieving business growth targets while maintaining portfolio quality.

Key Responsibilities

• Business Development: Identify and acquire new corporate, SME, and mid-market clients requiring working capital facilities.
• Client Relationship Management: Develop and maintain strong relationships with business owners, CFOs, finance heads, and key decision-makers.
• Working Capital Solutions: Understand client requirements and offer suitable financial products, including Cash Credit (CC), Overdraft (OD), Letter of Credit (LC), Bank Guarantee (BG), bill discounting, invoice financing, and other trade finance solutions, as applicable.
• Credit Assessment: Analyse financial statements, balance sheets, profit and loss accounts, cash flows, stock statements, debtor-creditor cycles, and working capital gaps.
• Credit Proposal Preparation: Coordinate with credit and risk teams for preparation, appraisal, sanction, and renewal of working capital limits.
• Portfolio Management: Monitor existing accounts, utilisation levels, repayment behaviour, financial covenants, and early warning signals.
• Documentation and Compliance: Ensure timely completion of KYC, financial documentation, security documentation, and regulatory requirements.
• Cross-Selling: Identify opportunities for trade finance, term loans, business loans, forex, insurance, and other banking or financial products.
• Target Achievement: Meet business targets for disbursements, portfolio growth, revenue, fee income, and customer acquisition.
• Market Intelligence: Track industry trends, competitor offerings, and potential business opportunities in the Gurugram market.

Required Qualifications

• Graduate in Commerce, Finance, Business Administration, or a related discipline.
• MBA in Finance or a relevant postgraduate qualification would be preferred.
• Strong understanding of working capital assessment, credit analysis, and financial statements.

Required Skills and Experience

• 3–8 years of relevant experience in working capital finance, corporate banking, SME banking, NBFC lending, or business banking.
• Good knowledge of fund-based and non-fund-based credit facilities.
• Experience in client acquisition, relationship management, and credit proposal coordination.
• Understanding of stock and debtor statements, drawing power calculations, cash flow analysis, and banking documentation.
• Strong negotiation, communication, presentation, and relationship-building skills.
• Ability to achieve business targets while maintaining sound credit quality.
• Knowledge of the Gurugram and Delhi-NCR corporate/SME market would be an advantage.

Key Performance Indicators (KPIs)

• New customer acquisition and business sourcing.
• Growth in working capital loan portfolio.
• Sanctioned limits, utilisation, and disbursement volumes.
• Revenue generation and cross-selling.
• Portfolio quality, delinquency levels, and overdue management.
• Timely renewals, documentation, and compliance.

Ideal Candidate Profile

The ideal candidate should be commercially driven, financially analytical, and capable of managing end-to-end client relationships. Candidates with an existing corporate or SME client network in Gurugram and Delhi-NCR will be preferred.

Job Location: Gurugram, Haryana
Employment Type: Full-time
Compensation: As per experience and industry standards.