Relationship Manager - PSU Banking - Banking/Financial Services

Role Overview: We are looking for an experienced Relationship Manager - PSU Banking with strong exposure to Public Sector Undertakings (PSUs), Government entities, large corporates and institutional clients. The candidate should have a deep understanding of balance-sheet analysis, liability products, credit assessment and corporate banking solutions. Key Responsibilities: - Manage and develop relationships with PSUs, Government organizations, large corporates and institutional clients. - Acquire new PSU and institutional relationships and deepen existing relationships. - Drive liability business, including Current Accounts, Savings Accounts, deposits, cash management and other transaction banking solutions. - Demonstrate strong understanding of balance sheets, P&L statements, cash-flow statements and financial ratios. - Analyze the financial health of clients and identify business, credit and liability opportunities. - Have sound knowledge of credit appraisal, financial analysis, working capital, term loans, bank facilities and credit structures. - Understand client borrowing requirements and coordinate with Credit, Risk, Product and Operations teams for appropriate banking solutions. - Identify opportunities for fund-based and non-fund-based business, including working capital limits, term lending, bank guarantees and letters of credit. - Develop a strong understanding of the client's liability profile, banking relationships, cash flows and overall financial requirements. - Monitor portfolio performance, account conduct, financial performance and emerging credit risks. - Prepare client proposals and coordinate for credit approvals and documentation. - Cross-sell Trade Finance, Cash Management Services, Forex, Treasury and other corporate banking products. - Maintain senior-level relationships with key decision-makers, finance teams, CFOs, treasurers and procurement/administration departments. - Ensure compliance with internal policies, KYC, regulatory requirements and risk guidelines. - Achieve assigned targets for liabilities, revenue, assets, fee income and client acquisition. Mandatory Skills: - Strong PSU / Government banking relationship experience - Deep understanding of liability products - Strong balance-sheet reading and financial statement analysis - Good knowledge of credit appraisal and credit underwriting - Understanding of working capital and term lending - Knowledge of fund-based and non-fund-based facilities - Ability to understand P&L, Balance Sheet and Cash Flow statements - Strong corporate/institutional relationship management skills - Good knowledge of cash management, trade finance and transaction banking - Strong communication and negotiation skills - Ability to engage with CFOs, Finance Heads and senior PSU officials