Relationship Manager - Commercial Banking
IDFC FIRST Bank
Date: 3 weeks ago
City: Kolkāta, West Bengal
Contract type: Full time
Job Requirements
About the Role
As a Relationship Manager – Commercial Banking, you will be responsible for acquiring and managing mid-corporate clients to drive sustainable revenue and portfolio growth across assets and liabilities. The role emphasizes new-to-bank (NTB) acquisition, cross-selling transaction banking products (such as Cash Management Services, Trade Services), and offering treasury/FX solutions. You will ensure portfolio quality, compliance with risk policies, and deliver exceptional client experience through collaboration with internal teams.
Key Responsibilities
Primary Responsibilities
Business Development
Education
Graduate Degree: B.Tech/B.Com/BA/BSc from an accredited university (full-time)
Postgraduate (Preferred): MBA/PGDM or CA/ICWA (Premier/Tier I preferred; Tier II/III considered based on profile)
Experience
6–12 years of relevant experience in mid-corporate/commercial banking in private or public sector banks
Skills And Attributes
Technical Skills:
Strong knowledge of banking products, credit and financial analysis, and regulatory compliance
Proficiency in advanced MS Excel, PowerPoint, CRM systems, and LOS/LMS platforms
Functional Skills
Stakeholder management, term sheet negotiation, pipeline management, proposal writing, and process improvement
Behavioral Skills
Customer-centric mindset, strong communication (verbal and written), resilience, adaptability, collaboration, and ownership
About the Role
As a Relationship Manager – Commercial Banking, you will be responsible for acquiring and managing mid-corporate clients to drive sustainable revenue and portfolio growth across assets and liabilities. The role emphasizes new-to-bank (NTB) acquisition, cross-selling transaction banking products (such as Cash Management Services, Trade Services), and offering treasury/FX solutions. You will ensure portfolio quality, compliance with risk policies, and deliver exceptional client experience through collaboration with internal teams.
Key Responsibilities
Primary Responsibilities
Business Development
- Acquire and onboard new mid-corporate clients
- Achieve targets for fund-based and non-fund-based products (working capital loans, term loans, trade finance)
- Cross-sell products such as treasury services, CMS, forex, and salary accounts
- Meet income targets from interest and fee-based products
- Increase wallet share by offering tailored solutions
- Build and maintain strong relationships with key decision-makers
- Ensure high client satisfaction through regular engagement and timely issue resolution
- Monitor client creditworthiness and ensure compliance with risk policies
- Minimize NPAs by maintaining a healthy portfolio
- Prepare CAM for NTB and ETB renewals; monitor covenants for existing contracts
- Work closely with product, credit, and operations teams for seamless service delivery
- Maintain CRM hygiene by logging calls, updating opportunities, and ensuring KYC compliance
- Provide market intelligence on sectors, competitors, and pricing; contribute to AOP planning
- Prepare MIS and portfolio analytics (utilization, profitability, cross-sell ratios) for governance forums
- Support audits and compliance reviews; close observations within timelines
- Represent the bank at client events, trade bodies, and webinars to enhance brand visibility
- Act as backup RM for selected accounts to ensure continuity of service
Education
Graduate Degree: B.Tech/B.Com/BA/BSc from an accredited university (full-time)
Postgraduate (Preferred): MBA/PGDM or CA/ICWA (Premier/Tier I preferred; Tier II/III considered based on profile)
Experience
6–12 years of relevant experience in mid-corporate/commercial banking in private or public sector banks
Skills And Attributes
Technical Skills:
Strong knowledge of banking products, credit and financial analysis, and regulatory compliance
Proficiency in advanced MS Excel, PowerPoint, CRM systems, and LOS/LMS platforms
Functional Skills
Stakeholder management, term sheet negotiation, pipeline management, proposal writing, and process improvement
Behavioral Skills
Customer-centric mindset, strong communication (verbal and written), resilience, adaptability, collaboration, and ownership
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