About the role

Key Responsibilities

1. New Client Acquisition (Core Focus)

Identify, source, and acquire new-to-bank clients in the Commercial Banking segment.
Build and manage a robust acquisition pipeline for asset-based products.
Drive portfolio growth with turnover range of ₹ 150 Cr to ₹ 2000 Cr .
Target ticket sizes between ₹ 10 Cr to ₹ 100 Cr per client.

2. Business Development & Portfolio Building

Develop and manage a quality loan book with focus on secured lending products.
Originate business across Working Capital, Term Loans, Trade Finance, CGTMSE, Supply Chain Finance , and other structured lending solutions.
Achieve assigned business, revenue, and profitability targets .

3. Client Relationship Management

Act as a single point of contact for clients, ensuring superior service delivery.
Build long-term relationships with promoters, CFOs, finance heads, and key decision-makers .
Cross-sell banking products including CASA, Trade Forex, Transaction Banking, and CMS solutions .

4. Credit Assessment & Risk Management

Conduct preliminary credit evaluation, financial analysis, and due diligence .
Prepare credit proposals, notes, and presentations for sanction.
Liaise with credit, risk, operations, and legal teams for smooth processing and disbursement.

5. Compliance & Portfolio Monitoring

Ensure adherence to internal credit policies, regulatory guidelines, and compliance norms .
Monitor portfolio health, utilization, and early warning signals to ensure asset quality .

Key Products Handled (Asset-based)

Candidate Profile

6–12 years of experience in Commercial / Corporate Banking acquisition roles .
Strong exposure to asset-based lending products .
Proven track record of new client acquisition and large ticket business sourcing .
Experience managing clients with turnover ₹ 150 Cr – ₹ 2000 Cr and deal size ₹ 10 Cr – ₹ 100 Cr .
Strong financial analysis, credit appraisal, and negotiation skills .
Excellent communication, presentation, and stakeholder management abilities.

RM Commercial Banking

About the role