business banking relationship manager

DBS Bank

Business FunctionDBS's Corporate, Consumer, and Investment Banking division offers a comprehensive suite of commercial banking products and services. These include cash management, current and time deposits, trade finance, working capital finance, term loans, and foreign exchange. Through our unwavering commitment, DBS has fostered enduring relationships with customers across the region, built on strong account relationship management, differentiated service, innovative product development, and rigorous credit standards.Job PurposeThe Business Banking Relationship Manager will be responsible for acquiring and cultivating a diverse portfolio within the DBS SME (Micro and Small) and Retail asset segments. He / She will be responsible for generating revenue from various sources, such as assets, liabilities, and BANCA products, aiming for healthy income while maintaining an acceptable risk profile for the bank.
 
The successful candidate will achieve these results in strict adherence to the bank's prescribed lending guidelines.Key Accountabilities* Source new-to-bank asset relationships within the SME segment, targeting businesses with a turnover up to 50 Crore, in alignment with DBS's lending policy.* Source retail assets and current accounts, and actively cross-sell wealth, insurance, and other fee-based products in accordance with permissible DBS policies.* Ensure high-quality sourcing and gather appropriate market feedback before onboarding new customers.* Play a pivotal role in enhancing the profitability of the branch.* Strengthening DBS's brand value and expand its network within the local market through various marketing activities, collaborations, and events.* Comply with all bank processes and policies, ensuring positive ratings during all Country and Group audits.Job Duties & responsibilities* Identify and acquire new-to-bank asset relationships within the SME segment (up to 50 Crore turnover), ensuring alignment with the Bank Lending Policy. Collaborate with SME Relationship Managers, customers, risk teams, and operations teams to facilitate sanction and disbursement of these relationships.* Refer CASA (Current Account Savings Account) accounts, retail assets, deposits, and other Consumer Banking Group (CBG) products (e.g., Wealth, insurance, CEP) to the relevant Branch team members.* Actively cross-sell Banca, Liability, Trade, Cash, and Treasury products to acquired clientele.* Achieve individual budgeted revenues across all product parameters.* Conduct thorough due diligence during the onboarding process for new asset relationships.* Increase customer wallet share by consistently exploring opportunities to cross-sell additional bank products.* Provide local market insights regarding customers to SME Relationship Managers post-onboarding, as needed.* Adhere strictly to Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements.* Complete all assigned learning programs by DBS in a timely manner.* Comply with all bank processes and policies.* Maintain strong relationships with local business stakeholders, including existing and prospective clients, market leaders, CAs (Chartered Accountants), influencers, and industry associations, to stay updated on current market practices and local intelligence.* Report any material information regarding business opportunities, industry risks, or customer risks to senior functional management at regular intervals.Required Experience* A minimum of 3-5 years of overall sales experience.* At least 2 years of sales experience specifically in SME/Business Banking Lending.* A proven sales track record in the asset business within the SME/Business Banking or LAP (Loan Against Property) segment.* Solid knowledge of competitors and the marketplace.* Market knowledge and experience in the SME segment, particularly concerning customer preferences and requirements, is highly preferred.* Excellent communication and listening skills.* Strong sales and negotiation skills.* Proficient knowledge of Working Capital Finance.Education / Preferred Qualifications* Minimum Under Graduation completion in any degree courses.DBS India - Culture & BehaviorsDBS is dedicated to fostering a culture where every employee is valued, respected, and heard. We pride ourselves on offering a workplace that promotes continuous professional development, flexible working arrangements, and opportunities for growth within an inclusive and diverse environment. We expect our employees to demonstrate the following value-driven behaviours:

Associate, Business Banking Relationship Manager, Consumer Banking Group

Analyst, Business Banking Relationship Manager, Consumer Banking Group

Officer, Business Banking Relationship Manager, Consumer Banking Group

Kotak Mahindra Bank

<div>
 
 Job Description: Affluent Relationship Manager &ndash; Business Banking
 
 
 
 
 
 Kotak Mahindra Bank is seeking dynamic professionals to join as Affluent Relationship Managers in our Business Banking division. This role focuses on managing High Net Worth Individual (HNI) clients, driving acquisition, deepening relationships, and delivering exceptional banking solutions.
 
 
 
 
 
 Key Responsibilities
 
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 Client Acquisition &amp; Relationship Management
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 Identify and onboard HNI clients.
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 Build and maintain strong relationships through structured profiling and personalized solutions.
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 Sales &amp; Revenue Growth
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 Cross-sell banking products: liabilities, assets, trade/forex, wealth, insurance, and mutual funds.
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 Execute sales plans and achieve monthly/quarterly targets.
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 Portfolio Management
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 Conduct regular portfolio reviews and recommend investment and credit products.
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 Ensure high engagement through consistent client interactions.
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 Service Excellence &amp; Compliance
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 Resolve client queries promptly within defined TAT.
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 Adhere to KYC, AML, and all regulatory guidelines.
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 Cross-functional Collaboration
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 Coordinate with internal teams (Wealth, Trade, Treasury) for seamless service delivery.
 </li>
 </ul>
 
 
 
 
 Qualifications &amp; Skills
 
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 Education: Graduate (MBA/PG preferred). Certifications like AMFI, IRDA, NISM are desirable.
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 Experience: 2&ndash;13 years in banking/NBFC with exposure to HNI relationship management.
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 Skills:
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 Strong sales and relationship-building capabilities.
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 Excellent communication and presentation skills.
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 Ability to work under pressure and meet targets.
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 </ul>
 
 
</div>

Affluent Relationship Manager-Business Banking

United Arab Bank

<div>
 
 
 Job Purpose
 
 
 
 
 
 
 The Relationship Manager will be responsible for managing and growing a portfolio of Commercial Banking clients (SMEs and mid-sized corporates). The role requires proactive client engagement, acquisition of new-to-bank customers, deepening existing relationships, and delivering comprehensive financial solutions including lending, deposits, trade finance, and cash management products. The RM will ensure adherence to compliance, credit, and risk management guidelines while achieving defined business targets
 
 
 
 
 
 
 Principal Accountabilities
 
 
 
 
 
 
 
 Business Development &amp; Sales Growth
 
 
 
 
 
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 Client Acquisition &amp; Portfolio Management
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 Acquire and develop new-to-bank commercial clients through targeted business development.
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 Manage an assigned portfolio of upper - SME and mid-sized corporate clients across multiple sectors.
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 Act as the primary point of contact for all client banking needs, ensuring superior relationship management.
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 Business Growth &amp; Revenue Generation
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 Achieve financial targets across assets, liabilities, trade, FX, and fee-based income.
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 Cross-sell banking products such as working capital finance, term loans, trade services, treasury solutions, and digital channels.
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 Monitor and optimize portfolio profitability.
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 </ul>
 
 
 
 
 
 Risk &amp; Compliance
 
 
 
 
 
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 Ensure strict adherence to bank&rsquo;s credit policies, KYC/AML guidelines, and regulatory frameworks.
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 Conduct regular portfolio reviews to assess credit quality and identify early warning signals.
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 Maintain a balanced risk-adjusted growth strategy.
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 Comply with internal audits requirements in line with the policy guidelines to ensure high standards of uniformity and consistency across the bank
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 </ul>
 
 
 
 
 
 Customer &amp; Relationship Management
 
 
 
 
 
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 Build and maintain strong relationship with existing and new clients by making regular client visits
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 Deliver best-in-class client service, ensuring quick turnaround on credit proposals and operational requests.
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 Understand client business models and provide tailored financial solutions.
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 Market &amp; Competitor Insights
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 Engage with product, credit, and operations teams to ensure smooth delivery of banking services
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 Ensure high levels of customer satisfaction through excellent service delivery
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 Address customer queries, concerns and complaints in a timely manner
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 Stay updated on UAE market dynamics, industry trends, and competitor offerings
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 Identify opportunities to position the bank as a trusted partner in clients&rsquo; growth journey.
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 </ul>
 
 
 
 
 
 Performance Management
 
 
 
 
 
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 Set key performance indicators (KPIs) and ensure the team achieves business targets.
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 Foster a culture of innovation, excellence, and customer-centricity within the liabilities team.
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 Conduct Account planning with product partners for cross sell/ upsell opportunities to ensure multi product relationship and greater wallet share.
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 </ul>
 
 
 
 
 
 Experience &amp; Qualifications
 
 
 
 
 
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 Bachelor's degree in finance, business, or a related field (MBA, CFA/CA/ACCA preferred).
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 10+ years&rsquo; experience in Corporate/ Commercial banking with 5 years of exposure to commercial banking / Mid Corporate in the UAE.
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 Strong client acquisition and negotiation skills
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 Analytical mindset with ability to assess financial statements and creditworthiness
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 Ability to build long-term client relationships based on trust and value creation
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 Excellent communication and interpersonal skills.
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 Self-driven, target-oriented, and collaborative
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 Proficiency in MS Office and banking systems/digital channels
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 </ul>
 
 
</div>

Relationship Manager, Commercial Banking

Bandhan Bank

<div>
 
 
 About the Role
 
 : A relationship manager for the mid-market segment shall be responsible for understanding business goals and accordingly building and maintaining relationships with clients or stakeholders, and ensuring customer satisfaction.
 
 
 
 
 
 
 
 
 
 Responsibilities
 
 :
 
 
 
 
 
 
 
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 The candidate should have experience in sourcing New to Bank (NTB) clients in mid and large corporate segment with turnover of corporates ranging from Rs. 250 crs to Rs. 5000 crs.
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 Should have contacts and network with promoters, CEO&rsquo;s, CFO, Head Treasury of varied industries such as Pharma, textile, auto, steel, FMCG, agriculture, retail, Infrastructure, chemicals, power, dairy, cement, paper etc.
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 Should have ability to connect with relevant stakeholders of these corporates and convince client on Banking with Bandhan Bank for working capital, Term Loan, Project Finance and other banking products.
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 Should have knowledge of all lending products offered by bank apart from trade finance, foreign exchange and other liability products of bank for cross sell.
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 Regular co-ordination and support required to be given to credit analyst to write and submit the CAM to risk team for finalization of proposal and presentation to credit committee.
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 Resolving queries of risk team and enabling entire process to ensure quicker TAT of CAM.
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 Monitoring of asset portfolio and identify potential risk and timely exit of account.
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 Knowledge and good understanding of compliance and regulatory guidelines and legal procedures i.e. RBI, SEBI and other sectoral regulators.
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 </ul>
 
 
 
 
 
 
 
 
 Qualifications
 
 : CA / Graduates/ Post Graduates.
 
 
 
 
 
 
 Required Skills
 
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 Strong relationship management skills.
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 Excellent communication and negotiation abilities.
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 In-depth knowledge of banking products and services.
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 Ability to analyze financial data and market trends.
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 </ul>
 
 
 
 
 
 
 
 
 Preferred Skills
 
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 Experience in corporate banking.
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 Established network within the industry.
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 Proficiency in compliance and regulatory frameworks.
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 </ul>
 
 
</div>

Relationship Manager Corporate Banking

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Associate, Business Banking Relationship Manager, Consumer Banking Group

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