Job Context
- SME caters to the varied needs of a diverse set of customers across retail, HNI, ultra HNI, Micro,Small & Medium enterprises.
- It encompasses a wide variety of financing solutions for clients, ranging Loan against property, to more complex Lease Rental discounting, Commercial Purchase and Construction Finance lending. Financing solutions are provided to Self-Employed [professionals/ non-professionals] against a wide array of lending programs, each of which aims to estimate the client’s repayment capability accurately before the company to take an exposure.
- The lending program requires assessing clients on various dimensions, including income, repayment behavior, stability of income/ residence, profile, collateral [valuation, marketability], ownership structure of business and the property and many others.
- Loan approvals entail a positive mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customer’s business model, Cash flows, customers & suppliers, success factors and dependencies needs to be considered.
Key Responsibilities:
1. Deliver Sales growth at the location and expand the customer base
- Identify business growth opportunities across the location, build direct/ channel/ new client acquisition strategies and tap growth opportunities to achieve area-wise targets
- Augment the business volumes of SME lending in the location, manage client databases and tap them through Relationship Managers
- Drive relationships with key clients, faster TAT and cross selling initiatives in order to increase the client base of the locations/area
- Monitor lead generation & RM sales productivity metrics to drive a high-performance sales culture across the area
2. Analyze product positioning and competition across the locations and develop the distribution network
- Scan the location market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the SME segment