Relationship Manager - supply Chain - sales - jaipur - vaishali Nagar (2nd Floor) - jm*

Relationship Manager – Sales

The objective of the Relationship Manager - SME Banking is to originate and convert new business prospects within the Small and Medium Enterprise (SME) sector through direct sourcing and open market channels. This role involves acquiring and managing customer relationships, taking proposals to the disbursement stage, generating revenue, and cross-selling retail products to SME clients.

Key Decisions taken:

• Selection of prospective SME clients to target for new business origination.
• Assessment of credit risk associated with SME clients and financing structures.
• Financial analysis and evaluation of creditworthiness of SME clients.
• Structuring of credit facilities tailored to the unique needs and risk profiles of SME clients.

Main Accountabilities:

• Originate new business prospects within the SME sector through direct sourcing and open market channels.
• Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.
• Meet existing SME clients to identify business opportunities and drive revenue.
• Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs.
• Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients.
• Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.
• Assess the credit risk associated with SME clients and their proposed financing structures.
• Collaborate with credit and risk teams to ensure sound credit decisions.
• Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
• Prepare and present comprehensive credit proposals.
• Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles.
• Optimize the credit solutions offered to SME clients.
• Ensure compliance with all relevant regulatory requirements and internal policies.
• Stay updated on changes in regulations affecting SME banking.