Asst Relationship Mgr - Trade & Working Capital

Role Purpose Independently manage and drive assigned client portfolios with a higher degree of ownership across credit, portfolio monitoring, and client servicing. The role is client-facing, with strong responsibility for credit execution, portfolio management, and active contribution to revenue generation. Job Context Operates in a dynamic, performance-driven environment with independent responsibility for portfolio and credit execution. Works closely with Relationship Managers, Credit, Operations, and Risk to ensure timely deal processing and portfolio monitoring. Balances risk management with revenue delivery through cross-sell and optimization of approved limit utilization. Exposure is primarily to Trade & Working Capital clients across parameterized and discretionary lending structures. High accountability for portfolio quality, audit compliance, proactive risk identification, and client servicing standards. Job Dimensions Portfolio size: Portfolio of primarily Trade & Working Capital clients. RM coverage: Supports at least 2 Relationship Managers. Client base: Typically 40–50 clients across the portfolio. Client complexity: Mix of parameterized and discretionary lending structures. Role span: Independent portfolio ownership with strong credit, monitoring, and client engagement responsibilities. Key Result Areas (KRAs) 1. Client Engagement & Relationship Management Actively engage with clients to understand business needs and support banking solutions. Manage client queries, service delivery, and escalations with ownership. Build and maintain strong client relationships to enhance wallet share and service quality. 2. Revenue Generation & Utilization Drive revenue through cross-sell of trade, working capital, liability, and allied products. Identify and execute business opportunities within the assigned portfolio. Drive and optimize utilization of approved credit limits across the portfolio, aligning with client needs and maximizing revenue contribution. 3. Portfolio Management & Monitoring Independently manage and monitor assigned borrowing portfolio including parameterized and select discretionary exposures. Ensure end-to-end portfolio hygiene including covenants, documentation, deferrals, audit observations, and timely regularization. Track portfolio performance and proactively identify and flag risks or irregularities. 4. Credit & Risk Management Independently undertake financial spreading and detailed analysis of financial statements. Prepare high-quality, comprehensive credit proposals with strong focus on risk identification and mitigants. Own end-to-end quality and submission of credit proposals and engage with Credit for closure of queries. 5. Operational & Process Excellence Ensure timely turnaround of credit and service-related deliverables. Coordinate effectively with internal stakeholders to ensure seamless execution. Contribute to process improvements and efficiency enhancement initiatives. Key Performance Indicators (KPIs) Quality and turnaround time of credit proposals. Portfolio quality including overdue control, covenant compliance, timely reviews, and audit observations closure. Utilization levels of approved limits in line with portfolio and revenue targets. Revenue contribution through cross-sell and portfolio activation. Client service quality, responsiveness, and issue resolution turnaround time. Maintain portfolio hygiene within defined thresholds, including zero overdue reviews, no audit exceptions, and timely covenant tracking. Compliance with credit policies, risk standards, and control requirements. Knowledge, Skills & Experience Strong proficiency in credit analysis, financial assessment, and risk evaluation. Extensive experience in high-quality credit proposal writing. Ability to independently manage and monitor borrowing portfolios. Strong analytical, communication, and stakeholder management skills. MBA/CA preferred. Experience: 3–5 years in banking / financial services

Experience: 3–5 years in banking / financial services. MBA/CA preferred.

Actively engage with clients to understand business needs and support banking solutions. Manage client queries, service delivery, and escalations with ownership. Build and maintain strong client relationships to enhance wallet share and service quality. Drive revenue through cross-sell of trade, working capital, liability, and allied products. Identify and execute business opportunities within the assigned portfolio. Drive and optimize utilization of approved credit limits across the portfolio, aligning with client needs and maximizing revenue contribution. Independently manage and monitor assigned borrowing portfolio including parameterized and select discretionary exposures. Ensure end-to-end portfolio hygiene including covenants, documentation, deferrals, audit observations, and timely regularization. Track portfolio performance and proactively identify and flag risks or irregularities. Independently undertake financial spreading and detailed analysis of financial statements. Prepare high-quality, comprehensive credit proposals with strong focus on risk identification and mitigants. Own end-to-end quality and submission of credit proposals and engage with Credit for closure of queries. Ensure timely turnaround of credit and service-related deliverables. Coordinate effectively with internal stakeholders to ensure seamless execution. Contribute to process improvements and efficiency enhancement initiatives.