Relationship Manager – Working Capital | HDFC Bank

Job description

**Company Description** HDFC Bank is India’s largest private sector bank, serving over 92 million customers with a wide range of financial products and services. With thousands of branches and ATMs across urban and rural locations, the Bank offers accessible banking solutions to individuals, MSMEs, and large corporations. Since beginning operations in 1995, HDFC Bank has focused on product leadership, customer centricity, and operational excellence, becoming a leader in retail and corporate banking, payments, loans, and wealth management. The 2023 merger with HDFC Ltd strengthened its home loan offering and housing finance capabilities, enabling more integrated financial solutions. Through its CSR initiative “Parivartan,” the Bank is also committed to social impact in education, healthcare, skills training, and sustainable livelihoods, while continuously investing in secure, innovative digital banking experiences. **Role Description** The Relationship Manager – Working Capital at HDFC Bank is a full-time, on-site role based in Jammu & Kashmir, India. The role involves acquiring and managing working capital relationships with business customers, understanding their financing needs, and recommending suitable products such as cash credit, overdrafts, term loans, and trade finance solutions. The Relationship Manager will regularly meet clients, conduct financial and credit assessments, prepare proposals, and coordinate with credit, operations, and product teams to ensure timely sanction and disbursal. Responsibilities include monitoring portfolio performance, managing risk, ensuring compliance with internal policies and regulatory guidelines, and resolving client queries promptly. The role also requires achieving revenue and asset growth targets, deepening existing relationships through cross-selling of banking products, and maintaining updated market and industry knowledge. **Qualifications** - Strong relationship management and customer service skills, with the ability to build trust and long-term partnerships with business clients. - Sound understanding of working capital products, trade finance, business banking, and general banking operations. - Financial analysis and credit assessment capabilities, including interpreting financial statements and evaluating business performance. - Effective communication, negotiation, and presentation skills for client meetings and internal discussions. - Proficiency in MS Office and comfort with digital banking tools and CRM systems. - Bachelor’s degree in Finance, Commerce, Business Administration, Economics, or a related field; a postgraduate degree or professional certification in finance or banking is an advantage. - Prior experience in corporate or business banking, preferably in working capital or SME lending, is highly desirable. - Ability to work in a fast-paced environment, meet sales and portfolio quality targets, and adhere to regulatory and internal compliance standards.