Analyst, Relationship Manager, Credit Program Small, Small Medium Enterprises
On-siteBengaluru, Karnataka, India
Job Summary
Source new SME asset relationships up to T/O of 25 Crore, aligned with bank lending policy, and manage sanction and disbursement in liaison with Customer, Risk, and Operations teams. Conduct thorough due diligence on new clients, develop account plans highlighting revenue potential and risk mitigants, and actively cross-sell trade, cash, and treasury products to increase wallet share. Monitor portfolio performance for timely renewals, track covenants and conditions, and report early warning signals to the credit and portfolio teams. Adhere to strict KYC/AML requirements and submit MIS to the central team. Engage with local business stakeholders, industry associations, and influencers to maintain market intelligence and support branch profitability targets.
Required Qualifications
- Overall 3- 5 years of experience in sales
- 2-3 years of sales experience in SME/Business Banking Lending
- 2-3 years 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 marketplace
- Market knowledge and experience in the SME segment, with reference to customer preferences and requirement
Desired Qualifications
- Bachelors in finance / Economics/Commerce or MBA or CA
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