Relationship Manager - Leasing - Sales- Mumbai - Lodha (I-Think Techno Camp at Tata Capital

Thane, maharashtra, India -

Full Time

Start Date

Immediate

Expiry Date

10 Aug, 26

Salary

0.0

Posted On

12 May, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

SME Banking, Business Origination, Customer Acquisition, Credit Risk Assessment, Financial Analysis, Credit Structuring, Working Capital Facilities, Cross-Selling, Relationship Management, Revenue Generation, Compliance, Retail Banking Products

Industry

Financial Services

Description

Relationship Manager – Sales - SCF REPORTS TO (SOLID & MATRIX): Position Grade: Business Unit: SME Department: Sales Sub Function: SCF Location: Number of Positions: Single/ Multiple Position Type: Full Time Job Purpose Direct Reports (Position Title) Resources 1. 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. Team Size Direct: Indirect Team Size (Onrolls): Financial Resources Book Size: INR XX Net interest income: Main Accountabilities Qualifications & Experience * Minimum Degree: Post Graduate/Graduate in any discipline * Minimum Years/type of experience:3-6 years Competencies: * Speed * Meritocracy * Customer Focus * Tech Quotient * Adaptability * Influence * Collaboration * Integrity * Resilience * Risk management * Financial acumen Functional Competencies TCL shall populate as per the existing grid 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. New Business Prospects: * Originate new business prospects within the SME sector through direct sourcing and open market channels. Customer Acquisition: * Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. Business Generation: * Meet existing SME clients to identify business opportunities and drive revenue. Working Capital Facilities: * 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.Customer Relationship Management: * Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. Cross-Selling: * Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. Credit Risk Assessment: * Assess the credit risk associated with SME clients and their proposed financing structures. * Collaborate with credit and risk teams to ensure sound credit decisions. Financial Analysis * Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. * Prepare and present comprehensive credit proposals. Credit Structuring: * 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. Compliance and Regulations: * Ensure compliance with all relevant regulatory requirements and internal policies. * Stay updated on changes in regulations affecting SME banking. JD Written by JD Approved by

Responsibilities

The role focuses on originating and converting new business prospects within the SME sector through direct sourcing and open market channels. Responsibilities include managing customer relationships, structuring credit facilities, and cross-selling retail banking products to maximize revenue.