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1 Current Business Prospects:

- Originate new business prospects within the SME sector through direct sourcing and open market channels.

2 Customer Acquisition:

- Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.

3 Business Generation:

- Meet existing SME clients to identify business opportunities and drive revenue.

4 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.

5 Cross-Selling:

- Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.

6 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.

7 Financial Analysis

- Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
- Prepare and present comprehensive credit proposals.

8 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.

9 Compliance and Regulations:

- Ensure compliance with all relevant regulatory requirements and internal policies.
Stay updated on changes in regulations affecting SME banking.

Qualifications -

Minimum Degree: Post Graduate/Graduate in any discipline.

Apply on Kit Job: kitjob.in/job/4rw2ja

📌 Relationship Manager - CV- Sales-Kharagpur - Atwals Real Estate -JM* (India)
🏢 Tata Capital
📍 India