Relationship Manager - Working Capital
HDFC Bank · Posted Sep 18
Commercial banking, retail banking, credit card, loan, and treasury services
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About the role
We are seeking a dynamic and result-oriented Relationship Manager (RM) – Business Banking Working Capital (BBWC) to join our growing team. In this role, you will be responsible for driving business growth by acquiring new asset relationships and managing a high-value portfolio of 30 to 40 Business Banking Group (BBG) and SME client accounts. As an Individual Contributor, you will work closely with cluster heads and branch networks to deliver customized working capital solutions while ensuring excellent service and portfolio health.
What you will do
- Target Achievement: Drive volumes and profitability targets for the assigned Business Banking segment.
- Lead Generation & Conversion: Collaborate with branch networks to identify leads, manage the CRM pipeline, and close deals.
- Market Penetration: Map local markets to identify high-potential SME clients and maximize wallet share.
- Cross-Selling: Promote core liabilities, corporate salary accounts, treasury products, and third-party financial services.
- Client Retention: Manage a dedicated portfolio of 30–40 high-net-worth BBG accounts to deliver premium service.
- Daily Operations: Facilitate trade transactions, cash management services (CMS), and rate negotiations.
- Credit Analysis: Prepare detailed Credit Appraisal Memorandums (CAM) and customer risk profiles.
- Administrative Excellence: Ensure timely renewals, deferral closures, and collection of stock statements or insurance updates.
- Portfolio Health: Monitor account conduct closely to minimize Non-Performing Assets (NPAs).
- Risk Mitigation: Execute timely interventions, including line reductions or account restructurings when required.
Skills used in this role
What the employer is looking for
- Education: MBA in Finance, Chartered Accountant (CA), or a Postgraduate degree in a related field. (Graduates with exceptional working capital experience will be considered).
- Experience: 3 to 5+ years of proven experience in SME Banking, Working Capital Lending, or Corporate Sales.
- Technical Skills: Deep understanding of financial statement analysis, balance sheets, and working capital credit structures.
- Soft Skills: Excellent negotiation, relationship-building, and interpersonal communication skills.
- Travel: Willingness to travel extensively within assigned business clusters.
Benefits and support
- Compensation and benefits are detailed in the job posting
About HDFC Bank
HDFC Bank Limited is an Indian banking and financial services company headquartered in Mumbai. It is India's largest private sector bank by assets and market capitalization, offering a wide range of financial products including retail banking, wholesale banking, and treasury operations.
- Industry
- Banking
- Company size
- 211535 employees
- Founded
- August 1994
- Location
- Mumbai, Maharashtra, India
- Funding stage
- Public Company
Leadership
Sashidhar Jagdishan
Managing Director and Chief Executive Officer
Srinivasan Vaidyanathan
Chief Financial Officer
Ramesh Lakshminarayanan
Chief Information Officer
Vibhash Naik
Chief Human Resources Officer
Recent coverage
Businessworld
HDFC Bank May See Nine Senior Executives Reach Retirement Age By 2030October 6, 2026
Stock Titan
HDFC Bank Limited Reports Period-End Advances and Deposits for September 2026October 5, 2026
GlobeNewswire
HDFC Bank Shares Fall on Legal and Regulatory Scrutiny UpdatesOctober 7, 2026