Relationship Manager

To assist the Head in delivering Business Development strategy and Deliver Profitability & Asset Book numbers in line with the budgets for the Emerging & Mid-Market Business

• To assist Zonal Head in implementing devised Business strategy for the Zone and tap local network to achieve the budgeted business volumes / Net Interest Income / Fees / Asset Book etc
• To initiate cross selling initiatives for generating additional revenues

Grow, Nurture, and Manage Relationships across Emerging & Mid-Corporate Houses in the Country (CFO, Senior Management, and Promoter levels)

• The Customer base has to be widened significantly in the segment, SRM/RM has to Grow, Nurture, and Manage a much wider network of relationships across Emerging & Mid Corporate Houses in the Zone / Country (Promoter, CFO and Senior Management level).

To set high standards of Deal Structuring, Due Diligence& Loan Documentation 

• To have sectoral and product knowledge which enables effective deal structuring & term sheet discussions with the customer
• To conduct detailed due diligence, analysis, evaluation of the deal thereby resulting in high quality appraisal 
• To work closely with Legal team to ensure that the loan documentation is closed with the customers to the satisfaction

To maintain constant interactions with the clients, ensure effective Customer Service standards and superior client satisfaction

• To ensure satisfaction for the Portfolio clients &ensure effective servicing for their various requirements from loan processing to information requirements to post disbursement requirements like balance confirmations, NOCs etc
• To resolve issues related to client servicing and co-ordinate with the Risk / OPS/ Finance/ Credit / Legal teams

To be aware of risk management and regulatory norms and credit policy/process adherence, conduct portfolio review

• To be aware of all critical policies, processes & documentation for all the products & ensure compliance
• To undertake documentation and KYC formalities for the customers in a seamless manner while managing good TATs
• To keep up breast of the latest developments in the local market & report for any indication of customer defaults, sectoral changes etc

To formulate periodic MIS for the routine activities 

• To send periodic reports to Business Heads / Head – Emerging and Growth Markets for potential business opportunities etc.
• To report MIS and tracking of targets & personal meeting with clients with status of deals in pipeline