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Location: Ludhiana, India
Job Description
We are looking for a proactive and client-focused Relationship Manager to manage and grow an existing portfolio of Working Capital (WC) clients. The role involves deep engagement with clients to understand their business models, structure appropriate WC solutions, and ensure timely renewals and enhancements of credit limits. The ideal candidate will be responsible for maintaining strong relationships with promoters and key decision-makers, ensuring compliance with internal processes, and driving cross-sell opportunities. The role also includes monitoring utilization patterns, ensuring timely submission of documentation, and coordinating with internal departments to resolve client issues efficiently.
Manage and service an existing portfolio of WC clients, including renewal and enhancement of limits.
Build strong relationships with promoters to foster trust and long-term engagement.
Understand client business models, cash flows, and structure WC solutions accordingly.
Drive portfolio growth through limit enhancements and meet defined business targets.
Ensure timely renewal of limits and closure of all pending PDDs.
Track and follow up with clients for submission of stock statements, insurance, and audit compliance.
Conduct regular client visits to assess business health and maintain engagement.
Monitor utilization patterns monthly and flag unusual transactions.
Minimize delinquencies and manage exit of clients flagged under Early Warning Signals (EWS).
Provide timely advice and updates to clients on relevant banking products and developments.
Liaise with internal teams (credit, ops, trade desk, branch) to resolve client issues within defined TAT.
Drive cross-sell of WC limits and increase product penetration in the assigned portfolio.
Generate leads from existing clients and onboard new customers through relationship expansion.
Maintain CASA book and generate float income by opening group accounts.
Job Info
Job Identification
273706
Job Category
Consumer Bank
Posting Date
11/04/2026
Apply Before
02/01/2027
Degree Level
Bachelor's Degree
Job Schedule
Full time
Job Shift
Day
Locations
Sco-120, Ground Floor,, Ludhiana, Punjab, 141001, IN
(On-site)
Job data: Headcount Labs (headcountlabs.com), ODbL 1.0. The job description belongs to the employer. Location data © OpenStreetMap contributors and Overture Maps.
From live job posts on CoreHRx, updated 6 Nov 2026. Skill figures count posts that list their skills; salary figures only posts that show a salary.
The post does not state the pay. As an estimate, comparable posts on CoreHRx advertise ₹3L – ₹8L a year (typical for Sales Jobs in India, 1192 posts).
In Ludhiana (on-site).
It is a full time job.
Interview preparation · 60 questions
This guide is for sales job seekers in India: freshers applying for sales executive, BDE and inside sales roles, and experienced professionals moving into senior, team lead or key account positions. It has 60 interview questions split into easy, medium and hard, each with a sample answer that shows how a strong candidate thinks, often with numbers in rupees and lakh. Topics include prospecting, cold calling, objection handling, negotiation, closing, CRM, targets, dealer and channel sales, and role plays such as 'sell me this pen'. Read each answer, then practise saying it aloud in your own words with your own numbers.
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