Relationship Manager - Inclusive Financial Institution - Bank

Job Description

Job Title: Relationship Manager

Department Inclusive: Finance Institutions (IFI)

Location: Mumbai

Grade: AVP/DVP

Eligible Employee: AVP/DVP

Reporting To Head - Inclusive Finance Institutions

A.Position Purpose :

To develop & manage relationships with Financial Institutions catering to Micro Finance, affordable housing finance, other NBFCs in the social impact sector and small finance banks. To build and manage Transaction & Digital Banking relationships with Financial Institutions and assist in evaluating and setting up impact investment segment focused to deliver social impact in sectors such as Agriculture, Financial Inclusion, Affordable Education & Healthcare, Water & Sanitation, Skill development, etc.

B.Position Responsibilities :

Sr. Key Responsibilities :

1. Client acquisition, Portfolio management and product development

- Relationship Management

- Develop and implement structured products

- Client Due Diligence & Portfolio monitoring(PAN India)

- Industry Interface/External Advocacy - Impact Funds/PE Funds/Industry experts/ External Forums and regulators

2. Prepare the credit approval/renewal memorandum, credit analysis, credit presentation of the team.

- Credit Underwriting and Financial Analysis

- Prepare renewal and new proposal memorandums

- Client wise risk monitoring

- Monitor Industry related risks

3. Focus on offering financial solutions to IFI clients for their term loans, working capital, and investment banking requirements along with liability generation for the bank

- Assess & Meet Clients funding requirements

- Focus on Cross Sell products (Salary A/cs, Insurance, CMS, and other transaction banking offerings etc)

- Goal to become primary banker to client

4. Sustained revenue generation and achievement of the targets set out in the budget for the year for IFI Business. Reaching Revenue/Thruput/ Acquisition targets. Actively and consistently seek an opportunity to expand share of wallet of the customer base through

- Meet Advance and investment targets

- Focus on increasing NII

- Other Income (Fee/DCM/FX/SBLC)

- Build CASA Book

- Transaction/Digital Banking sales coverage.

- Work towards portfolio deepening through other products

5. Liaise with various teams, oversee smooth delivery & execution of transactions and monitor and handle exceptions.

- Documentation execution and disbursement

- Exceptions tracking and follow-ups

- Covenant tracking

- Documentation compliance

- Adhere to regulatory requirements

C.Qualifications and Experience Requirement

Qualifications :

- Essential MBA - Finance or CA or Masters in Sustainable development.

Experience :

- Essential 5-7 years in Banking, Financial services company, Impact funds with prior experience in the sector.

D.Competency Requirements :

Skill Attribute :

Business Analysis:

- Proven experience working with multiple stakeholders/Businesses with different methodologies and approaches

- Credit writing skills with comprehensive coverage of all risk-related issues

- Strong communication skills - verbal, and written (including report writing, presentations, etc);

- Ability to spot new business opportunities;

Knowledge Working knowledge of :

- Client business including working capital and growth requirements

- Risk Identification(Credit/investment, operational, industry and general economy-related), mitigation and management

- Banking products and process

- Documentation

Behavioral Skills:

- Self-Driven and Proactive

- High-level ownership & Accountability

- Analytical Thinking

- Excellent communication skills

- Team player but also capable of taking individual decisions.

- Capability to handle interaction with senior management of clients and other external partners/stakeholders

- Problem-solving and resolving conflicts;

Jagandeep Singh