Relationship Manager - Small Enterprises

Role Overview

This position is focused on managing and growing relationships with small enterprise clients in Noida. The role centers on revenue growth, client acquisition, product promotion, credit evaluation, and strong process compliance while supporting the bank’s business goals across assets, liabilities, earnings, and credit quality.

Key Responsibilities

The role requires building and maintaining profitable customer relationships, identifying banking needs, and recommending suitable products and services. It also involves structuring deals, preparing terms and conditions, closing opportunities, and ensuring the right balance between risk and reward for the bank.

• Drive revenue outcomes in line with approved targets and budgets across the full client relationship portfolio.
• Identify and win new customer relationships by understanding financial needs and offering appropriate banking solutions.
• Handle end-to-end client management, including needs analysis, advisory support, deal structuring, term preparation, and closure.
• Evaluate client banking requirements and associated risks to support sound relationship decisions.
• Support communication and promotion of assigned banking products through brand communication initiatives.
• Deliver product messaging that clearly differentiates the bank’s offerings in the market.
• Conduct primary and secondary market research to understand customers, competition, and market trends.
• Review proposals through detailed credit appraisal, including analysis of income statements, balance sheets, financial ratios, cash flows, management risk, industry risk, and economic conditions.
• Maintain high standards in documentation, customer communication, and process compliance in coordination with product partners, OSD, risk management, and other relationship teams.
• Set performance goals with the reporting manager, track progress, and work consistently toward achievement.
• Take responsibility for personal development by identifying learning gaps and addressing them through learning and self-development efforts.
• Build and improve the competencies required for the role through continuous application and development.
• Stay current with industry developments, new practices, and relevant issues through ongoing education and professional networking.
• Follow risk policies and internal processes to reduce operational, regulatory, financial, informational, reputational, and audit risks.
• Support internal control systems and provide required information for departmental audits when needed.

Qualifications and Fit

Applicants should be comfortable working in a client-facing banking role that demands relationship management, business development, financial analysis, compliance awareness, and disciplined execution. The role suits candidates who can balance customer needs with credit and risk considerations.

Additional Information

This is a full-time, onsite role based in Noida, Uttar Pradesh, India. No internship duration, start date, salary amount, or number of openings was specified in the source.