Job description

The Senior Relationship Manager, Trade & Working Capital is responsible for managing existing and sourcing new Trade & Working Capital (TWC) relationships within the Business Banking Division to meet financial and non-financial objectives. The role includes actively sourcing new-to-bank customers from walk-ins, leading relationship management, and maximizing product penetration through up-selling, deep-selling, and cross-selling the bank's products. This role assumes full ownership of a defined portfolio and ensures portfolio quality, soundness, and compliance with bank-approved policies. Responsibilities include improving share of wallet, positioning the bank as the primary provider for client relationships, conducting annual and periodic credit facility reviews aligned with credit policy, and recommending appropriate facilities identified through analysis. The role involves delivering superior customer service through frequent client meetings, maintaining deep understanding of clients’ businesses, reducing risks, promoting cross-sell, and maximizing earnings. Obligations include monitoring account conduct, rectifying credit issues early, maintaining documentation, executing call reports, performing stock inspections, conducting formal credit checks and gathering informal market feedback. The position also involves liaising with internal and external advisors to ensure accuracy of agreements, mentoring Assistant Relationship Managers (ARMs), collaborating with business units, Risk Management, and enabler units to meet business targets, and ensuring adherence to compliance and regulatory requirements including KYC and AML guidelines.