About the role

Relationship Manager - Small Enterprises (SME)

Job Summary:

We are seeking a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SME) team. This role is pivotal in sourcing and managing a diverse portfolio of clients with turnover up to ₹150 Cr, enhancing portfolio hygiene, and engaging in cross-selling financial products to drive growth within the organization.

Key Responsibilities:

Source new-to-bank (NTB) clients within the small enterprise segment with turnover up to ₹150 Cr by identifying opportunities through market intelligence, references, and industry networking.
Manage and deepen relationships with the existing client portfolio, ensuring regular engagement to enhance satisfaction and retention.
Conduct financial analysis and prepare detailed credit notes for both new and existing clients, evaluating risk and structuring proposals in alignment with the bank’s credit policies.
Liaise with internal credit teams for proposal discussions and approvals, effectively communicating with clients to understand their financial needs and aligning them with appropriate product offerings.
Ensure timely renewals, limit compliance, and thorough documentation while monitoring early warning signals to maintain high asset quality and minimize delinquencies.
Identify and capitalize on cross-selling opportunities across various products such as trade finance, treasury, cash management, insurance, and working capital solutions.

Requirements:

Postgraduate degree in Finance, Commerce, or a related field.
2-3 years of experience in corporate, SME, or ME banking, demonstrating a solid understanding of the industry.
Strong understanding of credit analysis and financial statements, with the ability to interpret complex financial data.
Excellent relationship management skills paired with effective communication abilities.
Proven capability to drive business results while managing risk effectively.

Preferred Qualifications:

Experience in cross-selling financial products, demonstrating a track record of enhancing client portfolios.
Certification in credit risk management or relevant banking qualifications.
Knowledge of current market trends affecting small enterprises and financial products.
Experience utilizing CRM software for client relationship management and tracking.

Benefits:

Competitive salary and performance-based bonuses.
Comprehensive health insurance for employees and their families.
Opportunities for professional development and career progression.
Flexible working hours and a supportive work environment.
Employee wellness programs and initiatives for work-life balance.

RM - SE