Scope of the Role
A Wholesale Lending RM manages and grows a portfolio of corporate clients (NBFCs, MFIs, or large corporates) by offering specialized lending solutions, such as working capital or term loans. They are responsible for sourcing new business, conducting credit appraisals, managing portfolio risk, and ensuring compliance. Evaluate the financial risk associated with working capital solutions, ensuring that the proposed strategies align with both the client's needs and the bank's risk tolerance. Stay updated on industry trends, economic conditions and regulatory changes that may impact clients' working capital needs. Actively seek opportunities to expand the bank's working capital portfolio by acquiring new clients and promoting relevant financial products.
Job Description
Job Profile
- Acquire new corporate relationships (large corporates / MNCs / mid-corporates) and manage existing ones.
- Analyse corporate financial statements / balance sheets, evaluate credit risk, work closely with credit / underwriting teams for sanctioning and renewal of facilities.
- Source asset and liability business: working capital, term loans, overdrafts, cash-management services, trade products (LC, BG, exporters), FX/trade solutions.
- Cross-sell bank’s other products (treasury, trade services, cash-management, corporate cards, digital banking solutions, Salary) to enhance revenues and deepen relationship.
- Maintain portfolio hygiene & quality: monitoring client performance, ensure timely documentation, renewals, compliance with internal & regulatory guidelines.
- Achieve business targets: asset growth, liability growth, fee income, cross-sell metrics.
- Build strong client relationships: regular engagement, understand business & industry trends, provide proactive solutions.
- Internal stakeholder coordination: credit, operations, product teams, risk, compliance.
Ideal Candidates
Looking for candidates with hands-on experience in Large / Wholesale Banking Corporate clients and providing complete lending solutions for their business enhancement.
Key Requirements:
- 3–10 years of experience in Corporate/Wholesale Banking with exposure to large corporates/MNC's.
- Experience or exposure to MNC, startup funding, venture capital (VC) ecosystem, and related banking solutions.
- Strong financial and credit analysis skills.
- Proven business development and relationship management track record.
- Familiarity with banking products: working capital, term loans, trade services, cash management, treasury.
- Excellent communication and interpersonal skills.
- Qualification: MBA/PGDM (Finance) or CA/CFA preferred.
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