Senior Associate Relationship Manager Credit Program Medium Small Medium Enterprises
You acquire new-to-bank asset relationships among medium and small enterprises, build a diversified portfolio, cross-sell trade, liability, cash, treasury, and fee products, grow revenue and profitability, monitor portfolio quality, manage risk, conduct due diligence, onboard clients, and comply with banking policies and KYC/AML requirements.
Responsibilities
- Source new-to-bank asset relationships among companies with turnover from INR 25 crores to 600 crores
- Obtain sanction and disbursement in liaison with customers, risk, and operations teams
- Cross-sell liability, trade, cash, and treasury products
- Achieve budgeted revenue across product parameters
- Conduct due diligence when onboarding new assets
- Create account plans covering revenue potential, risks, and mitigants
- Maintain strict KYC and AML compliance
- Provide management information to the central team
- Comply with bank processes and policies
- Monitor the portfolio and maintain zero delinquencies
- Build brand value and expand the local network through marketing activities, collaborations, and events
- Maintain relationships with clients, market leaders, accountants, influencers, and industry associations
Requirements
- 3-7 years of overall sales experience
- 2-3 years of working capital sales experience in SME or business banking
- Proven sales track record in asset business in the SME or business banking segment
- Knowledge of competitors and the marketplace
- Understanding of the SME sector
- Market knowledge and experience in the SME segment
- Excellent communication and listening skills
- Sales and negotiation skills
- Knowledge of working capital finance
Benefits
- Competitive salary and benefits package