Scope of the Role
The Relationship Manager (Working Capital) is responsible for acquiring, managing, and growing relationships with SME, Mid-Corporate, and Corporate clients by offering working capital financing solutions. The role focuses on business development, credit assessment, portfolio management, cross-selling banking products, and ensuring high customer satisfaction while maintaining portfolio quality.
Job Description
Business Development: Acquire new SME/Mid-Corporate customers requiring working capital facilities. Generate business through referrals, direct sales, channel partners, and market networking. Achieve monthly and annual targets for working capital products and liabilities. Identify opportunities for increasing wallet share within existing relationships. Relationship Management Develop and maintain long-term relationships with business clients. Understand customers' business models, cash flow cycles, and financing requirements. Provide customized working capital solutions based on customer needs. Conduct periodic customer visits and portfolio reviews. Working Capital Solutions Promote and structure products such as: Cash Credit (CC) Overdraft (OD) Working Capital Demand Loans (WCDL) Bill Discounting Letter of Credit (LC) Bank Guarantee (BG) Trade Finance Supply Chain Finance Invoice Financing Export & Import Finance Credit Assessment Analyze financial statements, bank statements, GST returns, and cash flows. Assess creditworthiness and repayment capacity. Prepare credit proposals and coordinate with credit teams for approvals. Ensure timely documentation and disbursement. Portfolio Management Monitor portfolio health and asset quality. Track account performance and early warning signals. Minimize delinquency and maintain low NPAs. Ensure periodic renewal of credit facilities. Cross-Selling Cross-sell: Current Accounts Trade Services Cash Management Services (CMS) Payment & Collection Solutions Forex Products POS & Digital Banking Solutions Insurance Investment Products Compliance & Risk Ensure adherence to RBI guidelines and HDFC Bank policies. Complete KYC, AML, and regulatory documentation. Maintain accurate records and documentation. Follow internal audit and compliance requirements.
Ideal Candidates
Looking for candidates with 3–10 years of experience in:
Working Capital Finance SME Banking Commercial Banking Corporate Banking Trade Finance Business Banking