Relationship Manager- working capital

Job description

**Company Description** HDFC Bank is India’s largest private sector bank, serving over 92 million customers with a comprehensive portfolio of financial products and services. With 8,919 branches and 21,031 ATMs across 3,836 cities and towns as of August 2024, the Bank provides wide-reaching access to individuals and businesses nationwide. Established in 1995 with the mission to be a “World-class Indian Bank,” HDFC Bank has become a leading player in retail, corporate, and digital banking, supported by strong product innovation and customer focus. Following its 2023 merger with HDFC Ltd, the Bank now offers integrated banking and housing finance solutions, including home loans, wealth management, and business banking services. Through its CSR initiative, Parivartan, HDFC Bank also drives community impact in education, healthcare, skills training, and sustainable livelihoods, reflecting its commitment to purposeful and responsible banking. **Role Description** This is a full-time, on-site Relationship Manager role For MSME based in malappuram . The Relationship Manager will be responsible for managing and growing a portfolio of retail and/or business customers, providing tailored banking solutions such as accounts, loans, cards, and investment products. The role includes conducting regular customer meetings, understanding financial needs, cross-selling appropriate products, and ensuring high levels of customer satisfaction. The Relationship Manager will monitor account activity, manage risk and compliance requirements, and ensure adherence to bank policies and regulatory guidelines. The role also involves collaborating with branch teams, achieving sales and service targets, supporting digital banking adoption, and maintaining accurate documentation and reporting. **Qualifications** - Customer relationship management and client service skills, with the ability to build trust and long-term engagement. - Sales, cross-selling, and negotiation skills to identify customer needs and recommend suitable banking products. - Knowledge of retail and/or business banking products, such as deposits, loans, credit cards, insurance, and investment solutions. - Analytical and problem-solving skills to assess customer profiles, manage risk, and resolve service issues effectively. - Strong communication and interpersonal skills, including the ability to interact with diverse customers and internal stakeholders. - Comfort with digital banking platforms and basic MS Office tools; ability to support customers in using digital services. - Bachelor’s degree in commerce, business, finance, or a related field; a postgraduate qualification or relevant certifications are an advantage. - Prior experience in banking, financial services, or customer-facing sales roles is preferred. - Ability to work in an on-site branch environment, meet performance targets, and comply with regulatory and bank standards.