About the role
Here?s what you get to do. If selected, you will be responsible for complete sectoral coverage in the area of operation establishing touchpoints with all corporates and onboarding new clients and clientservicing including credit appraisal of the corporates. You will also be responsible for execution of end to endset processes such as collection and payment solutioning, onboarding for digital products,financialanalysis, credit appraisal note preparation, loan documentation etc. for thetransactions undertheguidance of the Relationship Manager. As an RM you will also be responsible for designing solutions fair to both the customers and the bank. Your focus should be on 360? Banking in line with customer needs. A key responsibility is to work within the guardrails of risk and compliance and focus on customer service.
Reports to: Senior RelationshipManager?ServicesSectorGroup
360? Credit Assessment:
Expected to understand in detail the client?s business and financials and prepare a quality appraisal note in collaboration with the Risk Management team.
Facilitate the disbursement of funds once sanction is in place through coordination with various internal groups. You are also expected to complete post-disbursement documentation activities in coordination with control groups such as Legal, Compliance, and Credit Middle Office.
Assist the Senior Relationship Manager/ Regional Head in managing a high quality portfolio of corporate clients. Support the Senior Relationship Manager/ Regional Head in achieving business targets and acquiring and onboarding new clients
Key Qualifications & Requirements:
Strong negotiation skills backed by excellent oral and written communication skills.
An understanding of the intricacies of financial analysis, the balance sheet, profit & loss accounts and cash flow statements. Knowledge of basic banking products.
Few Success Factors:
? Analytical Mindset
? Openness to collaborate
? Customer-centric approach
? Orientation to business understanding
? Understanding of financial settlements
About the Business Group:
The Services Sector Group is responsible for coverage of services sector which constitutesmore than 50% of India?s GDP. It mainly covers IT, ITES, BPO, Back-office, logistics, startups and theirecosystemincludingE-commerce,Fintech,Wealthtech,Edutechetc.Theteamisresponsibleinproviding end-to-end360degreebankingsolutionsacrossthefinancialspectrumrangingfromdigitalfirsttransaction banking solutions with focus on API Banking, term loans, treasury and risk managementsolutions, employee related banking services, private banking for founders, advisory services includingfund arrangement and M&As in collaboration with multiple product groups. It is also responsible forappraisalandmonitoringof shorttermworkingcapitalcreditlimits.
Is an understanding of banking a prerequisite for the role?
It is not necessary to have banking knowledge to apply for the role. However, it is critical to have an orientation to understand multiple credit products, regulations, and financial knowledge. Applicants from all industries are welcome to apply.
Is banking experience a necessity for this role?
Certainly not. We are looking to onboard talent who has a penchant for creating products and solutions that positively impact clients. It will help to have a passion for building the best customer experience.
Can a fresher apply for the Relationship Manager role?
MBAs or Chartered Accountants with 0?8 years of experience can apply for the role of Relationship Manager.
What are a few key principles adopted by the Bank?
As we work towards our goal of becoming the bank of choice, considerable effort is being made to refine our product and service offerings. Few focus areas are as follows:
- Designing solutions that are Fair to Customers, Fair to Bank
- Focus on 360? Banking in line with customer needs
- Work within the guardrails of risk and compliance
- Best-in-class use of technology and digital solutions
- Focus on customer service
Does this role involve sales?
Every role at ICICI Bank requires a focus on serving our clients. The Bank also follows the "One Bank, One Team" philosophy. All the different teams and role holders come together to serve the clients within the guardrail of risk and compliance.
Does this role involve handling a team?
The role of a Relationship Manager is that of an individual contributor. With experience, one is entrusted with the responsibility of team engagement. The role also requires one to collaborate effectively with multiple internal teams.
What is the selection process?
We pride ourselves on being an equal-opportunity employer. Once you submit your application, we will evaluate it against the responsibilities the role requires. If you are shortlisted, you will have a personal interview taken digitally. It will help us understand your experience and skillset better. As we screen through your application for shortlisting, we suggest you update your profile with the latest resume and photograph and submit an online declaration.
Can I move to other roles in the bank?
ICICI Bank believes in providing employees with enriching experiences through various roles. The process of Open Job Positing (OJP) provides employees with options to apply to various roles in the Bank. The Bank also considers job rotations between various roles and responsibilities.