Relationship Manager - Business Banking Liabilities
Job Description
The Relationship Manager – Business Banking (Liabilities) is responsible for managing and growing a portfolio of business banking clients by driving liability book growth, deepening relationships, and ensuring high standards of risk management and regulatory compliance.The role focuses on CASA and term deposit growth, cross-sell of transactional and treasury products, and delivering a superior client experience while safeguarding the Bank's risk appetite.
Key Responsibilities- Portfolio Management & Client Relationship
Manage an assigned portfolio of Business Banking liability clients, acting as the primary point of contact for all banking needs.
Develop strong, long-term client relationships by understanding client business models, cash flows, and financial requirements
Ensure regular portfolio reviews, proactive client engagement, and timely resolution of client queries and issues.- Book Growth & New Business Acquisition
Achieve assigned targets for CASA balances, term deposits, and NTB acquisition in line with the Bank's business strategy.
Identify and onboard new quality relationships within the approved target segments and risk appetite.
Drive wallet-share enhancement through systematic balance build-up and retention initiatives.- Cross-Sell & Revenue Generation
Identify and execute cross-sell opportunities across:
Cash Management Services (CMS)
FX and Treasury products
Trade Finance solutions
Digital Banking and value-added packages
Work closely with internal product, treasury, and operations teams to deliver tailored solutions to clients.
Skills & Competencies
Strong knowledge of Business Banking liability products and Treasury basics
Sound understanding of AML, KYC, and regulatory frameworks
Excellent relationship management and negotiation skills
Strong analytical and risk assessment capability
High level of professionalism, integrity, and attention to detail
Qualification & Experience
Graduate degree in Business, Finance, or related discipline
5–8 years of experience in Business Banking / Commercial Banking (Liabilities preferred)
Proven track record in portfolio management, book growth, and cross-sell