Relationship Manager-Supply Chain-Sales-Pune

Main Accountabilities
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.