Relationship Manager, Business Banking

The successful candidate will be responsible for leading client acquisition, strengthening existing relationships, and providing customized banking solutions to small and medium-sized enterprises (SMEs). The primary focus is on establishing and managing high-quality SME client relationships, fostering business expansion, and achieving the bank's strategic goals while upholding strict operational risk, compliance, and regulatory standards. The role also involves identifying opportunities to assist business owners with wealth management needs, including succession planning, family business continuity, and intergenerational wealth discussions.

1. Increase the number of active SME clients and expand their share of wallet within the portfolio.
2. Drive growth in both funded and non-funded income through various products like lending, transactional banking, trade, and wealth management.
3. Boost product penetration per client by identifying cross-selling opportunities across core SME banking solutions.
4. Achieve revenue growth while maintaining portfolio quality, adhering to disciplined credit standards, and ensuring strong risk-adjusted returns.
5. Comply with the bank’s operational risk, compliance, and credit governance procedures.
6. Deliver exceptional client experiences through responsive service, informed advice, and proactive portfolio management.
7. Build and manage a robust client pipeline, follow up on leads, structure opportunities, complete call reports, and efficiently convert business.
8. Cultivate long-term relationships with business owners and decision-makers by understanding their funding, transaction banking, expansion, and risk management requirements, and providing suitable solutions.
9. Stay informed about market trends, sector developments, and product capabilities to identify opportunities and offer relevant insights to SME clients.
10. Collaborate closely with the Wealth team to originate, convert, and expand business-owner opportunities across wealth products, focusing on driving referrals, increasing wallet share, and facilitating succession planning and family business continuity.

1. Strong knowledge and experience in SME, commercial, corporate, or business banking.
2. Excellent relationship management and business development skills with business owners, promoters, and key decision-makers.
3. Good understanding of lending, cash management, trade finance, wealth products, and working capital solutions.
4. Strong market awareness, commercial acumen, and ability to identify sector-specific opportunities and risks.
5. Ability to work flexibly and agilely in a fast-paced, performance-driven environment.
6. Preference for candidates with investment banking experience, particularly in structuring, advisory, capital raising, or complex deal execution.
7. Ability to operate effectively in an international environment and collaborate across product and coverage teams.
8. Maintains a high standard of personal conduct and consistently demonstrates the bank’s valued behaviours.
9. Proven track record in originating, managing, and growing SME or business banking client relationships.
10. Strong commercial instinct with the ability to identify client needs and translate them into relevant banking and wealth solutions.
11. Strong SME relationship management experience with the ability to identify wealth management opportunities for business owners, including succession planning, family business continuity, and intergenerational wealth conversations.
12. Experience in wealth management serving corporate clients and family businesses, with strong capability in advisory, relationship management, and identifying holistic wealth solutions.
13. Ability to balance revenue delivery with sound credit judgment, compliance discipline, and strong client experience.
14. Confident communicator with the credibility to engage business owners, senior decision-makers, and internal stakeholders effectively.
15. Relevant degree in Business, Finance, Economics, Banking, or a related field.
16. Professional qualifications in banking, credit, corporate finance, or treasury are an added advantage.
17. CISI Qualification is an added advantage.