Banking jobs in Surat, Gujarat

Job Title

Relationship Manager - ECG

Business Unit

Emerging Corporate Group (ECG)

Reporting To

Unit Head / Team Lead

Job Function and Role Type

Sales, Individual Contributor, Moderate Travel

Version No

2.0

Job Purpose

Build and manage relationships with new and existing clients to ensure income generation through the sale of appropriate asset and liability products.

Key Responsibilities

Portfolio Management

Achieve business targets on volumes and profitability for ECG customers; Conduct monthly reviews with product groups and supervisors to enhance product penetration; Monitor account performance and manage portfolio reviews, including exits, line reductions, and recovery; Track performance against budgets and update CRM systems with client call details.

Increased Product Penetration

Identify wallet share opportunities for existing and potential NTB customers; Develop strategies for product penetration and cross-sell all bank products.

Operations & Processes

Ensure adherence to management guidance and regulatory compliance, including KYC/AML tracking; Complete pre- and post-disbursement documentation and manage deferrals; Conduct timely credit appraisals and recommend credit limits.

Client Management & Servicing

Engage in structured client calls with existing and prospective clients; Build relationships with internal and external customers to ensure client satisfaction; Address customer pain points and collaborate with support functions to improve processes; Interact with promoters and senior management to strengthen client relationships.

Intra Bank Coordination & Communication

Collaborate with team members and support their initiatives; Coordinate with various bank departments to gain insights and drive cross-sell opportunities.

Education:

Graduation required; MBA or CA preferred.

Certifications:

MBA, CA.

Key Competencies

Sales and influencing skills, banking product and process knowledge, client handling skills, planning and organizing skills, knowledge of competition and financial industry trends.

Major Stakeholders

Customers, Operations, Credit, ECG Product Team.

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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