Overview
Senior Relationship Manager Mid-Market (Large Corporates)
Location: Raipur
Department: Corporate Banking / Commercial Banking
Reports to: Team Head / Group Head Mid-Market Banking
Role Overview:
The Senior Relationship Manager (SRM) is responsible for managing a portfolio of mid-market to large corporate clients. The role involves deepening client relationships, originating new business, and delivering a full suite of banking products (lending, trade, treasury, etc.) while ensuring prudent risk management and compliance with internal and regulatory guidelines.
Key Responsibilities:
Client Relationship Management:
– Manage and grow a portfolio of mid-market to large corporate clients (typically 200 Cr 1000 Cr turnover or equivalent).
– Serve as the primary point of contact for clients, delivering tailored banking solutions.
– Conduct regular client meetings to understand business needs, offer customized solutions, and provide high-touch service.
Business Development:
– Acquire new clients through market research, referrals, and strategic networking.
– Identify cross-sell and up-sell opportunities across products (lending, trade finance, FX, cash management, etc.).
– Prepare and present credit proposals in line with the banks risk appetite and credit policy.
Credit & Risk Management:
– Conduct detailed financial analysis and due diligence on clients.
– Prepare credit appraisals, structure deals appropriately, and ensure timely renewals and reviews.
– Monitor portfolio for early warning signals, ensuring compliance with risk and regulatory norms.
Internal Collaboration:
– Work closely with product, credit, legal, compliance, and operations teams to deliver seamless service.
– Coordinate with internal stakeholders for onboarding, documentation, and transaction execution.
Compliance & Governance:
– Ensure strict adherence to regulatory guidelines, KYC norms, and internal processes.
– Maintain clean audits and zero non-compliance across client handling and documentation.
Key Requirements:
Education:
Graduate in Commerce, Finance, Economics; MBA/CA/CFA preferred.
Experience:
– 7-12 years of experience in corporate/wholesale banking or mid-market relationship management.
– Proven track record of handling mid to large corporate clients and originating new business.
Skills & Competencies:
– Strong financial analysis and credit appraisal skills.
– Excellent communication and interpersonal skills.
– High level of integrity, commercial acumen, and risk awareness.
– Ability to work under pressure and meet revenue targets.
Performance Metrics:
– Growth in portfolio size (asset and liability book).
– Fee income and cross-sell ratios.
– Credit quality and portfolio health (NPA/ SMA control).
– Client satisfaction and retention.