About the Role 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 Circle’s 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 Bank’s 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