ASHOK CHOUHAN

A Relationship Manager for Working Capital at HDFC Bank is responsible for managing and growing the bank's working capital portfolio. This involves identifying potential clients, assessing their financial needs, structuring appropriate financing solutions, and building strong client relationships. The role also includes ensuring compliance with bank policies, assisting clients with loan applications and financial planning, and achieving revenue growth and customer satisfaction targets.

Key Responsibilities:

• Client Acquisition and Relationship Management:Identifying and acquiring new clients, managing existing relationships, and ensuring client satisfaction.
• Working Capital Solutions:Understanding client business models and providing appropriate working capital solutions, including cash credit, demand loans, and letters of credit.
• Credit Appraisal and Monitoring:Assessing client creditworthiness, preparing credit approval documentation, and monitoring loan performance.
• Cross-selling and Up-selling:Identifying opportunities to cross-sell other products and services to existing clients, such as current accounts, term deposits, and trade finance.
• Compliance and Risk Management:Ensuring compliance with bank policies and regulatory requirements, and managing credit and operational risks.
• Business Development:Contributing to the overall business development of the bank by acquiring new clients and growing existing relationships.
• Stakeholder Coordination:Collaborating with other departments within the bank, such as credit, operations, and branch banking, to ensure smooth operations and client satisfaction.
• Performance Management:Achieving individual and team targets for revenue growth, client satisfaction, and portfolio profitability.

Required Skills and Qualifications:

• Strong understanding of financial statements and balance sheets.
• Analytical skills to assess creditworthiness and manage risk.
• Excellent interpersonal and communication skills to build strong relationships with clients.
• Knowledge of the banking industry and working capital products.
• Experience in credit appraisal and loan management.
• Ability to work independently and as part of a team.
• A bachelor's degree or equivalent, and potentially an MBA/PGDM in Finance or relevant experience.