Relationship Manager-Working capital SME-Mangalore/Hubli/Dehradun/Jaipur/Chandigarh/Belgaum

Job Purpose

The objective of the role is to identify new customers, propose a solution and create a business opportunity, strengthen client relationships with a corporate customer with an aggregate turnover of upto Rs 300 crs. The role involves preparing the Term Sheet, Proposal note and taking the same through the approval process. The responsibility of documentation, disbursals, monitoring and collections also rests with you.

Client Identification & Sourcing:

·         Ability to identify prospects in your location, evaluate the creditworthiness and create a relationship with customer

·         Strong relationship with partners/ Cas/ DSAs in your location who shall enable consistent deal pipeline.

·         Understand clients' financial goals, challenges, and opportunities.

Client Relationship Management:

·         Maintain and nurture strong relationships with corporate clients in the Emerging Corporate segment.

·         Identify new business opportunities and revenue streams within the corporate finance sector.

·         Expand the client base and promote financial products and services including cross sell of products.

Deal Structuring:

·         Collaborate with clients to structure financial deals tailored to their specific needs.

·         Prepare and present proposals to clients and present the same internally to all stakeholders.

Credit Solutions:

·         Offer credit solutions, including working capital facilities, overdrafts, term loans, and other financial products and also innovate unique solutions for customers.

·         Assess creditworthiness and risk factors associated with clients on an ongoing basis.

Portfolio Growth:

·         Focus on portfolio growth by cross-selling financial products and services.

·         Achieve budgetary targets for Net Interest Income (NII) and fee income.

Financial Analysis:

·         Analyze financial statements, credit reports, and market trends to assess client performance and risks.

·         Develop insights to enhance client portfolios.

Compliance:

·         Ensure strict compliance with all audit, regulatory, and company regulations, processes, and policies.