Job Description

Role Objective
To acquire, manage and grow mid-corporate client relationships (typically ?100-?750 Cr turnover segment) by delivering credit solutions, liability products, and transaction banking services while ensuring portfolio quality and compliance.
? Key Responsibilities
1?? Client Acquisition & Relationship Management
Identify & onboard mid-corporate clients in Chennai region
Build multi-level relationships with promoters, CFOs, and treasury heads
Manage end-to-end client onboarding, documentation & compliance
Drive customer satisfaction and wallet share growth
2?? Credit & Risk Management
Assess borrowing requirements & structure credit proposals (Working Capital / TL / NFB)
Financial statement analysis: ratios, cash flows, capital structure, industry benchmarking
Prepare Credit Appraisal Memos for internal approvals
Monitor portfolio health - reviews, renewals, early warning signals
3?? Business Growth & Revenue Generation
Deliver AOP targets for:
Asset Book Growth (WC, CC, OD, BG, LC, TL, LAP, etc.)
Liabilities Mobilization (CA / SA / Term Deposits)
Transaction Banking (CMS, FX, Trade Finance)
Cross-sell treasury, cash mgmt., corporate salary, digital solutions
4?? Compliance & Governance
Maintain strict adherence to KYC/AML, RBI norms & internal risk policies
Ensure clean portfolio -- manage overdue positions & CMA breaches
? Required Skills & Competencies
Skill Category Required Expertise
Financial Analysis Balance sheet/PL/CF analysis, banking ratios
Credit Structuring WC, BG/LC, TL, external ratings
Sales & Negotiation Corporate decision-making engagement
Regulatory Knowledge RBI guidelines, FEMA, Trade Finance
Collaboration Work with product, legal, ops, credit & treasury teams
? Qualifications
MBA / PGDM in Finance / CA preferred
4-10+ years experience in Corporate / Mid-corporate Banking
Strong Chennai corporate market understanding & network
? Key Performance Indicators (KPIs)
Asset book size & yield improvement
Fee income from trade & CMS
CASA growth and NTB acquisitions
Portfolio risk score & compliance metrics
Client retention & cross-sell ratio
? Typical Product Exposure
Fund-based: WC, OD, TL, LAP, LC-backed limits
Non-fund based: BG, LC
FX & Derivatives (as per internal approval matrix)
CMS, POS, Digital collections & Vendor Financing
? Stakeholder Management
Internal: Credit, Risk, Legal, Ops, Trade Finance, Treasury
External: Auditors, Credit Rating Agencies, Consultants

Skills Required