WBCG:SCG - Associate Relationship Manager

Axis Bank

BFSI (Operations & Lending)

Posted: 3 hours ago

0-1 years

Bengaluru / Bangalore, Karnataka

BFSI (Operations & Lending)

work from office

Full Time

Closes 14 Dec 2026

Posted: 3 hours ago

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Job Description

About Wholesale Banking Coverage Group (WBCG)

The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oil and Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities

AbouttheRole

The Associate Relationship Manager is responsible for scoping of the area sales and operations and implementing strategies to increase productivity and performance levels in order to achieve the Circles financial targets. They are responsible for ensuring the smooth functioning of the daily operations and compliance with the rules and regulations set as per banking norms for Government clients/ Departments. The role involves relationship management with the key account holders of the Bank to ensure deepening of accounts and thus generating revenue. They are also responsible for analyzing the risk profile of the companies in the respective industries and ensure preparation of conclusive credit proposals and detection of potential risk triggers. The credit analysts also interact with the companies to keep an update on the developments in the sector and its impact on company.

Key Responsibilities

Analyze the financial and business risk profile of companies, assign Credit rating and prepare conclusive and focused credit proposals
Monitor and update on key trends, challenges in the sectors, economic developments as well as financial parameters of clients to detect potential risk triggers
Provide quality analysis compliant with RBI guidelines, legal and other internal compliances that leads to a sound decision making
Ensure NPA /restructuring levels for the group are minimized
Source new customers to generate revenue for fund Based and non-fund based products and increase customer base
Strengthen relationship with existing customer base so as to generate sustained business and identify opportunities for cross sell.
Ensure prudent portfolio management and diversification of risk in partnership with the Credit Team to achieve portfolio quality
Ensure implementation of due processes, guidelines and Banks code of conduct in all transactions, sanctions, disbursals and post disbursal activities.
Review daily/ periodic reports with a view to identify business opportunities, act upon early warning signals highlighted by the central teams, implement exit plan for stress accounts
Provide feedback to Risk Management/ Product Policy / Process Monitoring Teams for streamlining the processes to ensure TAT reduction, Risk Diversification and Inclusive policy.
Ensure Product Per Customer (PPC) growth in the allocated portfolio in the defined set of products
Ensure prudent implementation of Digital initialization taken by the Bank in alignment with the GoI/ GoM initiatives by critically analyzing the cost benefit to the bank.
Ensure replication of Centrally Sponsored Schemes (CSS) and State Sponsored Schemes (SSS) across given portfolio.
Ensure throughput of CDBT & GST taxes from given portfolio and assist the Nodal officer as and when required.
Review existing portfolio and constantly updating of ReKYC, PAN nos & Covenant compliance as per the Banking standards

Qualifications

Optimal qualification for success on the job is:
Graduation/ Post- Graduation (MBA preferred) from a recognized institute
CFA/ CA/ MBA (Finance) from a recognized institute

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:
. Knowledge of banking CMS/ Sector Specific/ Customized Banking applications/ products and services
. Knowledge of regulatory guidelines and norms
. Good communication (both verbal and written) skill in both English and the Regional language
. Ability to manage complex client situations
. Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment
. Ability to handle pressure and meet deadlines

Skills

SalesCredit RatingLendingProposalsWholesale BankingCaCfa

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About Company

Axis Bank, one of India's leading private sector banks, is recognized for its innovative financial solutions and customer-centric approach. With a strong presence spanning across retail, corporate, and institutional banking, Axis Bank offers a comprehensive range of products and services tailored to meet the diverse needs of its customers. Committed to leveraging technology to enhance banking experiences, Axis Bank provides convenient digital banking platforms and cutting-edge financial tools. With a focus on transparency, integrity, and customer satisfaction, Axis Bank continues to be a trusted partner for individuals and businesses alike. Explore exciting career opportunities with Axis Bank, where talent is nurtured, and aspirations are realized in shaping the future of banking in India.

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