About this role
- We are looking for a proactive and client-focused Relationship Manager to manage and grow an existing portfolio of Working Capital (WC) clients.
- The role involves deep engagement with clients to understand their business models, structure appropriate WC solutions, and ensure timely renewals and enhancements of credit limits.
- The ideal candidate will be responsible for maintaining strong relationships with promoters and key decision-makers, ensuring compliance with internal processes, and driving cross-sell opportunities.
- The role also includes monitoring utilization patterns, ensuring timely submission of documentation, and coordinating with internal departments to resolve client issues efficiently.
- Manage and service an existing portfolio of WC clients, including renewal and enhancement of limits.
- Build strong relationships with promoters to foster trust and long-term engagement.
- Understand client business models, cash flows, and structure WC solutions accordingly.
- Drive portfolio growth through limit enhancements and meet defined business targets.
- Ensure timely renewal of limits and closure of all pending PDDs.
- Track and follow up with clients for submission of stock statements, insurance, and audit compliance.
- Conduct regular client visits to assess business health and maintain engagement.
- Monitor utilization patterns monthly and flag unusual transactions.
- Minimize delinquencies and manage exit of clients flagged under Early Warning Signals (EWS).
- Provide timely advice and updates to clients on relevant banking products and developments.
- Liaise with internal teams (credit, ops, trade desk, branch) to resolve client issues within defined TAT.
- Drive cross-sell of WC limits and increase product penetration in the assigned portfolio.
- Generate leads from existing clients and onboard new customers through relationship expansion.
- Maintain CASA book and generate float income by opening group accounts.