Analyst, Relationship Manager, Credit Program Small, Small Medium Enterprises

Overview

Relationship Manager for the IBG 4 SME segment within Corporate and Investment Banking, responsible for acquiring and growing a diversified lending and cross-sell portfolio.

What you'll do

• Source new-to-bank asset relationships within the IBG 4 segment up to a turnover of 25 Crore, aligned to Bank Lending Policy, and ensure sanction and disbursement in liaison with Customer, Risk and Operations teams.
• Cross-sell asset, trade, cash and treasury products actively and achieve individual budgeted revenues across all product parameters.
• Conduct proper due diligence while on-boarding new asset relationships and onboard clients with a clear account plan highlighting revenue potential, risks and mitigants.
• Increase wallet share with customers by constantly exploring opportunities to cross-sell other products offered by the bank.
• Constantly monitor the portfolio, ensure timely renewals, and ensure covenants and conditions prescribed by the credit team are consistently met.
• Work closely with the monitoring team on early warning signals, track customers' business, and report early warning signals.
• Provide regular feedback to the credit and portfolio team on client business developments.
• Adhere to strict KYC/AML requirements and provide MIS to the central team within stipulated guidelines.
• Stay in touch with local business stakeholders, including existing and prospective clients, market leaders, CAs, influencers and industry associations, and report material information on business opportunities and industry or customer risk to senior functional management.
• Complete assigned learning programs on time and comply with the Bank's processes and policies.

What you'll need

• Overall 3-5 years of experience in sales.
• 2-3 years of sales experience in SME/Business Banking lending.
• 2-3 years of experience in working capital sales and service portfolio.
• Proven sales track record in asset business in the SME/Business Banking segment.
• Knowledge of competitors and the marketplace.
• Bachelor's in finance, economics or commerce, or MBA, or CA.
• Excellent communication and listening skills; good sales and negotiation skills.
• Working capital finance knowledge.

Nice to have

• Market knowledge and experience in the SME segment, with reference to customer preferences and requirements.

Details

• Location: Bangalore.
• Employment type: Full time, regular employee.