Business Banking Relationship Manager (Working Capital)

Job Summary:

The Business Banking Relationship Manager plays a crucial role in managing and nurturing relationships with business clients seeking working capital solutions. This position is responsible for understanding clients' needs and providing tailored financing options, contributing significantly to the organization’s financial growth and client satisfaction.

Key Responsibilities:

• Develop and maintain strong relationships with business clients to understand their working capital requirements.
• Analyze financial statements and credit profiles to assess the creditworthiness of potential clients.
• Proactively identify opportunities for cross-selling banking products to enhance clients’ overall banking experience.
• Prepare and present financing proposals within the ticket size range of 50 Lakhs to 50 Crores, ensuring alignment with client needs and risk assessment.
• Work collaboratively with credit and risk management teams to facilitate the approval process of working capital loans.
• Provide ongoing support and advice to clients post-financing to ensure satisfaction and assist with any future financing needs.
• Stay informed about market trends and regulatory changes that could impact clients' businesses and adjust strategies accordingly.

Requirements:

• Bachelor’s degree in Finance, Business Administration or a related field; MBA is preferred.
• A minimum of 3 years of experience in business banking or relationship management, particularly in working capital solutions.
• Strong analytical skills with the ability to interpret financial data and make sound decisions.
• Excellent communication and interpersonal skills to build rapport with clients and internal stakeholders.
• Proficiency in CRM software and Microsoft Office Suite, especially Excel.
• Strong negotiation skills and a results-driven mentality.
• Ability to work independently while managing multiple client relationships efficiently.

Preferred Qualifications:

• Experience with high-ticket financing solutions within the SME and corporate sectors.
• Proven track record of achieving sales targets and delivering excellent customer service.
• Relevant certifications, such as CFA or CBA, are highly regarded.
• Knowledge of industry trends and regulatory developments affecting business financing.

Benefits:

• Competitive salary with performance-based incentives and bonuses.
• Comprehensive health insurance and wellness programs for employees and their families.
• Opportunities for continuous professional development and career advancement.
• Flexible working hours and the option for remote work to promote work-life balance.
• Generous paid time off, including personal, vacation, and sick days.
• Employee-friendly policies fostering a vibrant and inclusive workplace culture.
• Access to exclusive financial services and products at reduced rates.