Relationship Manager / SM / AVP

Role overview

This position sits within the Small Enterprises (SE) team focused on working capital products. The role calls for a proactive, target-driven relationship professional who can originate business, manage client relationships, and support a portfolio of small enterprise customers with turnover of up to ₹100 Cr. A key part of the role is keeping the portfolio healthy while identifying opportunities to cross-sell relevant banking solutions.

Key responsibilities

• Bring in new-to-bank clients from the small enterprise segment, especially businesses with turnover up to ₹100 Cr, using market insights, referrals, and industry connections.
• Build, maintain, and expand relationships with the existing customer base to improve satisfaction and long-term retention.
• Analyze financial data and draft detailed credit notes for both new and existing clients, with risk assessment and proposal structuring aligned to internal credit guidelines.
• Work closely with internal credit stakeholders during proposal review and approval, while clearly understanding customer requirements and matching them with suitable offerings.
• Protect portfolio quality by tracking renewals, ensuring limit adherence, maintaining documentation, and watching for early warning signs to reduce delinquency risk.
• Spot and pursue cross-sell opportunities across trade finance, treasury, cash management, insurance, and working capital products.

Candidate profile

• Graduate or postgraduate qualification in Finance, Commerce, or a related discipline.
• 3 to 4 years of experience in corporate, SME, or mid-market banking.
• Good grasp of financial statement analysis and credit evaluation.
• Strong communication and relationship-building capabilities.
• Ability to grow business while managing credit risk responsibly.

Additional information

Department: Small Enterprises (SE) - Working Capital Products.

Expected experience level: 3-4 years.

Grade: SM / AVP.