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Relationship Manager

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Aditya Birla Capital

1mo ago

  • Job
    Full-time
    Senior Level
  • Sales & Business Development
    Banking & Finance
  • Mumbai

AI generated summary

  • You should have strong business development skills, cross-selling experience, sectoral knowledge, relationship management expertise, and proficiency in due diligence and compliance.
  • You will manage client relationships, drive business development, ensure effective deal structuring, conduct due diligence, coordinate with internal teams, and report on performance metrics.

Requirements

  • 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
  • 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 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 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 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 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

Responsibilities

  • 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

FAQs

What is the primary role of a Relationship Manager in the company?

The primary role of a Relationship Manager is to assist in delivering the Business Development strategy, ensuring profitability and asset book numbers align with the budgets for the Emerging & Mid-Market Business.

How does a Relationship Manager contribute to business growth?

A Relationship Manager contributes to business growth by widening the customer base, managing relationships with CFOs and senior management of Emerging & Mid Corporate Houses, and initiating cross-selling initiatives to generate additional revenues.

What responsibilities are included in deal structuring and due diligence?

Responsibilities include having sectoral and product knowledge for effective deal structuring, conducting detailed due diligence and analysis to ensure high-quality appraisals, and working with the Legal team to finalize loan documentation satisfactorily.

How important is customer service in this role?

Customer service is essential in this role; the Relationship Manager must maintain constant interaction with clients, ensuring effective servicing that meets their various requirements and resolves any client servicing issues promptly.

What should a Relationship Manager know about risk management?

A Relationship Manager should be aware of risk management and regulatory norms, ensuring adherence to credit policies, conducting portfolio reviews, and staying updated on market developments that could indicate customer defaults or sector changes.

What types of reports will a Relationship Manager be expected to generate?

A Relationship Manager will be expected to formulate periodic MIS reports on routine activities, including potential business opportunities, tracking targets, and updating stakeholders on the status of deals in the pipeline.

Who does the Relationship Manager collaborate with to ensure effective client servicing?

The Relationship Manager collaborates with various teams including Risk, Operations, Finance, Credit, and Legal to resolve client servicing issues and meet the clients' needs efficiently.

What qualifications or skills are necessary for this position?

Necessary qualifications and skills include strong interpersonal and communication abilities, sectoral and product knowledge, proficiency in deal structuring, due diligence, and understanding of regulatory compliance and risk management.

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Aditya Birla Capital

Enriching Lives. Winning as ONE.

Finance
Industry
10,001+
Employees
2007
Founded Year

Mission & Purpose

Aditya Birla Capital is a financial services company offering a wide range of solutions, including asset management, insurance, and lending services. Their mission is to empower individuals and businesses by providing comprehensive financial solutions that foster growth and security. With a strong emphasis on customer-centricity, Aditya Birla Capital aims to deliver innovative products and services tailored to meet diverse financial needs. Their purpose is to build lasting relationships with clients while contributing to the overall economic development of communities and the country.