Job Description

Role Purpose

Independently manage and drive assigned client portfolios with a higher degree of ownership across credit, portfolio monitoring, and client servicing. The role is client-facing, with strong responsibility for credit execution, portfolio management, and active contribution to revenue generation.

Job Context

• Operates in a dynamic, performance-driven environment with independent responsibility for portfolio and credit execution.

• Works closely with Relationship Managers, Credit, Operations, and Risk to ensure timely deal processing and portfolio monitoring.

• Balances risk management with revenue delivery through cross-sell and optimization of approved limit utilization.

• Exposure is primarily to Trade & Working Capital clients across parameterized and discretionary lending structures.

• High accountability for portfolio quality, audit compliance, proactive risk identification, and client servicing standards.

Job Dimensions

• Portfolio size: Portfolio of primarily Trade & Working Capital clients.

• RM coverage: Supports at least 2 Relationship Managers.

• Client base: Typically 40–50 clients across the portfolio.

• Client complexity: Mix of parameterized and discretionary lending structures.

• Role span: Independent portfolio ownership with strong credit, monitoring, and client engagement responsibilities.

Key Result Areas (KRAs)

1. Client Engagement & Relationship Management

• Actively engage with clients to understand business needs and support banking solutions.

• Manage client queries, service delivery, and escalations with ownership.

• Build and maintain strong client relationships to enhance wallet share and service quality.

2. Revenue Generation & Utilization

• Drive revenue through cross-sell of trade, working capital, liability, and allied products.

• Identify and execute business opportunities within the assigned portfolio.

• Drive and optimize utilization of approved credit limits across the portfolio, aligning with client needs and maximizing revenue contribution.

3. Portfolio Management & Monitoring

• Independently manage and monitor assigned borrowing portfolio including parameterized and select discretionary exposures.

• Ensure end-to-end portfolio hygiene including covenants, documentation, deferrals, audit observations, and timely regularization.

• Track portfolio performance and proactively identify and flag risks or irregularities.

4. Credit & Risk Management

• Independently undertake financial spreading and detailed analysis of financial statements.

• Prepare high-quality, comprehensive credit proposals with strong focus on risk identification and mitigants.

• Own end-to-end quality and submission of credit proposals and engage with Credit for closure of queries.

5. Operational & Process Excellence

• Ensure timely turnaround of credit and service-related deliverables.

• Coordinate effectively with internal stakeholders to ensure seamless execution.

• Contribute to process improvements and efficiency enhancement initiatives.

Key Performance Indicators (KPIs)

• Quality and turnaround time of credit proposals.

• Portfolio quality including overdue control, covenant compliance, timely reviews, and audit observations closure.

• Utilization levels of approved limits in line with portfolio and revenue targets.

• Revenue contribution through cross-sell and portfolio activation.

• Client service quality, responsiveness, and issue resolution turnaround time.

• Maintain portfolio hygiene within defined thresholds, including zero overdue reviews, no audit exceptions, and timely covenant tracking.

• Compliance with credit policies, risk standards, and control requirements.

Knowledge, Skills & Experience

• Strong proficiency in credit analysis, financial assessment, and risk evaluation.

• Extensive experience in high-quality credit proposal writing.

• Ability to independently manage and monitor borrowing portfolios.

• Strong analytical, communication, and stakeholder management skills.

• MBA/CA preferred.

• Experience: 3–5 years in banking / financial services