Relationship Manager - Commercial Banking Group null

Your role

About Commercial Banking Group

The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc.

About the role

The Relationship Manager is responsible for the achievement of the budgeted targets by sourcing NTB business through channels/self-sourcing and customer relationship management. The Job holder also coordinates post-sanction formalities such as disbursement, cross-selling, and compliance with statutory and internal audit issues and provides industry/segment-specific feedback to the Geography and Central Office team.

Key responsibilities

• Generate leads by identifying potential industrial areas/trading units and prepare strategies to increase the Bank’s penetration in those areas.
• Manage the internal (Branches/ other business verticals) and external (empanelled outsourced agencies) lead-generating channels to generate the expected business.
• Enable the sanctioning process by ensuring the conduct and scrutiny of pre-disbursement activities.
• Liaison with the Corporate Banking Operations team and Centralized Processing Unit to enable smooth completion of post-sanction formalities, account opening and disbursement.
• Meet customer service requirements through regular interactions with the customers to understand the business condition, enhancement opportunities, etc.
• Monitor transactions in the customer accounts to ensure that the cash flow movement and end use of funds are in compliance with the sanction stipulations.
• Assist the Credit Manager in unit inspections and ensure timely insurance renewal, DP updated, stock renewal statement scrutiny and gathering of relevant market information.
• Ensure maintenance of quality and health of portfolio and minimize Days Past Due through regular interactions with the customer.
• Initiate recovery of stressed accounts through tele-calling/field visits.
• Ensure compliance with the stipulated guidelines/norms and ensure closure to the audit processes.

About you

Qualifications

Optimal qualification for success on the job is:

• Graduation/Post-Graduation from a recognized institute

Role proficiencies

For successful execution of the job, the candidate should possess the following:

• Knowledge of banking products and services
• Ability to manage complex client situations
• Good communication (both verbal and written) skills in both English and the local language
• Ability to handle pressure and meet deadlines
• Good networking and relationship-building skills

Compensation and benefits

Axis Bank offers a salary of around INR 390,000 to INR 460,000 per annum as well as benefits that help employees achieve their professional and personal goals including:

• Insurance: With Axis Bank, you and your family’s future is always secured through the Group Mediclaim policy (GMP) and Group Term Life Insurance Policy (GTLI).
• Loan Benefit: Axis Bank provides home loans and vehicle loans at interest rates that are lower than the prevailing market interest rates to all full-time employees.
• Leave: The leave policy at Axis Bank accommodates a wide variety of options that ensure an employee can take time off whenever they need to.
• Company Car Policy: Employees in certain grades are entitled to avail of company-owned cars.
• Mobile Expense Reimbursement: Employees are eligible to get a reimbursement for phone expenses incurred while carrying out their official duties.
• Meal Card: Employees can opt for a prepaid meal card that can be used in multiple stores.
• Employee Health & Well-Being Initiatives: Webinars, in-house counselling and mid-day break from work

Training & development

They offer diverse roles in traditional and modern banking sectors, promising growth through focusing on dynamic learning and development initiatives. Employee reviews highlight positive aspects such as extensive learning on the job and supportive team environments, though concerns about work-life balance are mentioned in some positions.

Career progression

Based on employee reviews, career progression at Axis Bank appears promising, with positive feedback emphasizing opportunities for growth, career change and supportive environments across various departments. Although there is career security, there were some concerns about slow growth in certain operational roles. Overall, Axis Bank provides a conducive environment for personal and professional growth.

Sources

The following sources were used in researching this page:

• axisbank.com/careers/life-at-axis-bank
• axisbank.com/careers
• ambitionbox.com/reviews/axis-bank-reviews
• ambitionbox.com/salaries/axis-bank-salaries/relationship-commercial-banking-manager?experience=1