Relationship Manager - PSU Banking - Banking/Financial Services

Role Overview:

We are looking for an experienced Relationship Manager - PSU Banking with strong exposure to Public Sector Undertakings (PSUs), Government entities, large corporates and institutional clients. The candidate should have a deep understanding of balance-sheet analysis, liability products, credit assessment and corporate banking solutions.

Key Responsibilities:

• Manage and develop relationships with PSUs, Government organizations, large corporates and institutional clients.
• Acquire new PSU and institutional relationships and deepen existing relationships.
• Drive liability business, including Current Accounts, Savings Accounts, deposits, cash management and other transaction banking solutions.
• Demonstrate strong understanding of balance sheets, P&L statements, cash-flow statements and financial ratios.
• Analyze the financial health of clients and identify business, credit and liability opportunities.
• Have sound knowledge of credit appraisal, financial analysis, working capital, term loans, bank facilities and credit structures.
• Understand client borrowing requirements and coordinate with Credit, Risk, Product and Operations teams for appropriate banking solutions.
• Identify opportunities for fund-based and non-fund-based business, including working capital limits, term lending, bank guarantees and letters of credit.
• Develop a strong understanding of the client's liability profile, banking relationships, cash flows and overall financial requirements.
• Monitor portfolio performance, account conduct, financial performance and emerging credit risks.
• Prepare client proposals and coordinate for credit approvals and documentation.
• Cross-sell Trade Finance, Cash Management Services, Forex, Treasury and other corporate banking products.
• Maintain senior-level relationships with key decision-makers, finance teams, CFOs, treasurers and procurement/administration departments.
• Ensure compliance with internal policies, KYC, regulatory requirements and risk guidelines.
• Achieve assigned targets for liabilities, revenue, assets, fee income and client acquisition.

Mandatory Skills:

• Strong PSU / Government banking relationship experience
• Deep understanding of liability products
• Strong balance-sheet reading and financial statement analysis
• Good knowledge of credit appraisal and credit underwriting
• Understanding of working capital and term lending
• Knowledge of fund-based and non-fund-based facilities
• Ability to understand P&L, Balance Sheet and Cash Flow statements
• Strong corporate/institutional relationship management skills
• Good knowledge of cash management, trade finance and transaction banking
• Strong communication and negotiation skills
• Ability to engage with CFOs, Finance Heads and senior PSU officials