
Working Capital Relationship Manager – Manage corporate client relationships by assessing working capital needs, structuring customized credit facilities, and providing end-to-end service. Coordinate with credit risk, underwriting, and operations teams to streamline approvals and ensure compliance. Monitor portfolio health, set team goals, and maintain open communication to drive business growth and ensure high client retention. Identify new business opportunities through client profiling, financial analysis, and relationship deepening. Drive acquisition and growth of working capital business across Fund-Based and Non-Fund-Based facilities. Monitor client financial performance, banking conduct, and credit requirements to proactively address portfolio risks. Collaborate with internal stakeholders to ensure timely execution of proposals, documentation, and disbursements. Promote cross-selling of relevant banking solutions to strengthen client relationships and increase wallet share.
At RBL Bank Ltd, I am working as a Relationship Manager in the Business Banking Group, responsible for acquiring and servicing working capital clients. I have expanded the portfolio by adding fund-based and non-fund-based facilities, managing client turnover ranging from 5 crore to 150 crore. By delivering comprehensive banking solutions and collaborating across departments, I ensure superior service, strengthen client relationships, and increase client stickiness to the bank, contributing to consistent portfolio growth.
At Axis Bank Ltd, I worked as a Relationship Manager in the SME SEG Group, serving corporate clients with diverse banking needs. I managed client turnovers ranging from 50 crore to 1,000 crore, supporting them with fund-based and non-fund-based facilities. Acting as a one-stop banker, I provided end-to-end solutions across working capital, trade finance, and other banking products. I focused on delivering holistic financial support, building lasting client partnerships, and driving sustainable portfolio growth.
At AUSFB, I worked as a Relationship Manager in the Business Banking Group, focusing on business clients with varied financial needs. I managed turnovers across mid-sized corporates, providing fund-based and non-fund-based facilities while optimizing ROI. My role involved conducting market research to identify trends, tailoring solutions to client requirements, and ensuring consistency across banking services. By delivering reliable support and building strong client relationships, I contributed to portfolio growth and enhanced client satisfaction.
At HDFC Bank, managed working capital clients with annual turnovers ranging from 5 crore to 100 crore, handling Fund-Based and Non-Fund-Based lending, including Agri & Allied funding in the rural Howrah belt. Identified lending opportunities, promoted relevant Government funding schemes, coordinated with internal teams and external stakeholders, and delivered suitable banking and credit solutions to customers.
As a Rural Portfolio Officer with HDFC Bank – RBG Group, managed an existing customer portfolio through regular client interactions, relationship management, and service support. Generated leads for Banking & Credit Products, while supporting RMs in documentation and disbursement processes for Fund-Based and Non-Fund-Based lending cases, contributing to customer relationship deepening and portfolio growth.
Client relationship management
Effective communication
Leadership
Business development
Project management
Time management
Critical thinking
Team leadership
Credit appraisal
Portfolio risk analysis
Trade finance