RM - Emerging Corporate

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:

• Client Engagement:

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

• 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.

• 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.

• Deal Structuring:

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

• Credit Solutions:

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

• 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.

• Financial Analysis:

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

• 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