Business Banking RM

Business Banking Relationship Manager (Working Capital RM)

Job Summary:

The Business Banking Relationship Manager (Working Capital RM) plays a pivotal role in managing and growing a portfolio of business banking clients. By providing tailored financial solutions, this position significantly contributes to the overall growth and profitability of IDFC Bank, ensuring clients receive optimal support for their working capital needs.

Key Responsibilities:

• Manage a portfolio of business banking clients with ticket sizes ranging from ₹50 lakh to ₹50 crore, offering personalized service and financial solutions.
• Identify and proactively pursue new business opportunities to enhance the client base and drive revenue growth.
• Conduct thorough financial assessments to understand clients' working capital requirements and propose suitable banking products.
• Build and maintain strong relationships with clients by delivering exceptional customer service and timely responsiveness to inquiries.
• Collaborate with internal teams to ensure seamless delivery of services, adherence to compliance standards, and risk management protocols.
• Monitor market trends and competitor activities to develop effective strategies that enhance client satisfaction and loyalty.
• Prepare regular reports on portfolio performance, client feedback, and market insights to inform management decisions.

Requirements:

• Bachelor’s degree in Finance, Business Administration, or a related field; MBA preferred.
• Minimum 3-5 years of experience in business banking or relationship management, preferably in working capital financing.
• Strong understanding of financial products and services, particularly in working capital management.
• Excellent communication, negotiation, and interpersonal skills for effective client engagement.
• Proficient in financial analysis, credit evaluation, and risk assessment methodologies.
• Ability to work independently as well as collaboratively within a team to achieve common goals.
• Strong analytical skills with attention to detail and a customer-centric approach.

Preferred Qualifications:

• Experience with external relationships within industry sectors relevant to IDFC Bank's clientele.
• Proven track record in achieving sales targets and managing a diverse portfolio.
• Industry certifications (e.g., CA, CFA) or specialized training in business banking or financial analysis.
• Familiarity with digital banking trends and technology-driven financial solutions.
• Ability to speak multiple languages beneficial for servicing a diverse clientele.

Benefits:

• Attractive compensation package with performance-based incentives.
• Comprehensive health insurance coverage for employees and their dependents.
• Opportunities for professional development and career advancement within IDFC Bank.
• Flexible work hours with the option for remote work when applicable.
• Employee engagement programs and wellness initiatives promoting work-life balance.
• Access to exclusive financial products and services as part of employee benefits.
• Supportive and inclusive work environment that values diversity and teamwork.