RM - Emerging Corporate

Description:

Job Title: Relationship Manager - Sales

Reports To: Business Unit Head (Corporate Finance)

Position Grade: M2/M3/M4

Business Unit: Corporate Finance

Department: Emerging Corporate Business

Sub Function: Sales

Location: Multiple Locations

Position Type: Full Time

Number of Positions: Single/Multiple

Job Purpose:

The role aims to identify new customers, propose tailored financial solutions, and create business opportunities while strengthening relationships with corporate customers with an aggregate turnover of up to ₹300 crore. Responsibilities include preparing Term Sheets, drafting Proposal Notes, guiding them through the approval process, and overseeing documentation, disbursals, monitoring, and collections.

Key Responsibilities:

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  Client Engagement:

  
  
  
  
  
  • Initiate and manage client relationships.
  
  
  • Identify new business opportunities within the corporate finance sector.
  
  
  • Structure financial solutions tailored to client needs.
  
  
  
  


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  Client Identification & Sourcing:

  
  
  
  
  
  • Identify prospects within your location, evaluate their creditworthiness, and establish relationships.
  
  
  • Maintain strong partnerships with CAs, DSAs, and other local partners to ensure a consistent deal pipeline.
  
  
  • Understand clients' financial goals, challenges, and opportunities.
  
  
  
  


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  Client Relationship Management:

  
  
  
  
  
  • Nurture strong relationships with corporate clients in the Emerging Corporate segment.
  
  
  • Identify and pursue new business opportunities and revenue streams within the corporate finance sector.
  
  
  • Expand the client base and promote cross-selling of financial products and services.
  
  
  
  


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  Deal Structuring:

  
  
  
  
  
  • Collaborate with clients to structure financial deals that meet their specific needs.
  
  
  • Prepare and present proposals to clients and stakeholders.
  
  
  
  


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  Credit Solutions:

  
  
  
  
  
  • Offer credit solutions, including working capital facilities, overdrafts, term loans, and other financial products.
  
  
  • Continuously assess client creditworthiness and associated risks.
  
  
  
  


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  Portfolio Growth:

  
  
  
  
  
  • Focus on growing the portfolio by cross-selling financial products and services.
  
  
  • Achieve budgetary targets for Net Interest Income (NII) and fee income.
  
  
  
  


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  Financial Analysis:

  
  
  
  
  
  • Analyze financial statements, credit reports, and market trends to assess client performance and risks.
  
  
  • Provide insights to enhance client portfolios.
  
  
  
  


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  Compliance:

  
  
  
  
  
  • Ensure strict compliance with all audit, regulatory, and company regulations, processes, and policies.
  
  
  
  

Qualifications & Experience:

• Minimum Degree: Postgraduate in any discipline, preferably MBA/CA.


• Experience: 2-5 years in a relevant field.


• Competencies:
  
  
  
  • Customer Relationship Management
  
  
  • Business Planning
  
  
  • Credit Understanding
  
  
  • Networking
  
  
  • Financial Acumen
  
  
  • Data Literacy
  
  
  • Speed, Meritocracy, Adaptability, Integrity, Resilience, Perseverance
  
  
  
  

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