Relationship Manager Working Capital

• Relationship Manager – Working Capital Finance
• Axis Bank Ltd. | Commercial Banking / Working Capital Group
• Job Summary

Responsible for business development, client relationship management, credit assessment, and portfolio growth in the Working Capital and Commercial Banking segment. Focused on providing customized lending and trade finance solutions to corporates, SMEs, and mid-market clients while ensuring portfolio quality, regulatory compliance, and achievement of business targets.

Key Responsibilities

• Business Development & Client Acquisition: Source and acquire new-to-bank clients across manufacturing, trading, services, infrastructure, healthcare, education, and other sectors for working capital and commercial lending requirements.
• Working Capital Financing: Structure and offer Cash Credit (CC), Overdraft (OD), fund-based limits, WCDL, and other working capital facilities based on business requirements and operating cycles.
• Credit Assessment & Financial Analysis: Analyze financial statements, CMA data, projected financials, cash flows, balance sheets, profitability, leverage, liquidity, and working capital gaps to assess creditworthiness and repayment capacity.
• Trade Finance & Non-Fund-Based Facilities: Provide Bank Guarantees (BG), Letters of Credit (LC), Buyers Credit, Export Packing Credit (EPC), Post-Shipment Credit, PCFC, and other domestic and international trade finance solutions.
• Structured & Specialized Lending: Evaluate and structure Term Loans, Loan Against Property (LAP), Equipment Finance, Channel Finance, CGTMSE-backed facilities, and banking-surrogate lending solutions in line with bank policy.
• Credit Proposal Preparation: Prepare credit appraisal notes, financial analysis, CMA reports, industry assessments, risk evaluations, and proposals for internal credit approval.
• Relationship Management: Build and maintain relationships with promoters, CFOs, finance heads, chartered accountants, DSAs, consultants, and other business intermediaries to generate sustainable business opportunities.
• Portfolio Monitoring & Risk Management: Monitor account conduct, stock statements, receivables, drawing power, covenant compliance, overdue positions, financial performance, and early warning signals to maintain portfolio quality.
• Cross-Selling & Revenue Generation: Drive fee-based income and cross-sell opportunities across trade finance, treasury, forex, cash management, and other banking products.
• Business Target Achievement: Achieve assigned targets for loan disbursements, fresh sanctions, portfolio growth, fee income, cross-selling, and overall relationship profitability while adhering to internal policies and regulatory guidelines.

Key Skills

• Working Capital Assessment and CMA Analysis
• Corporate and Commercial Credit Underwriting
• Financial Statement Analysis and Cash Flow Assessment
• Fund-Based and Non-Fund-Based Lending
• Trade Finance and Export Credit
• Credit Proposal Structuring and Documentation
• Client Acquisition and Relationship Management
• Portfolio Monitoring and Risk Management
• Cross-Selling and Revenue Generation
• Industry Analysis and Business Development