Role Title Relationship Manager - Commercial Lending
Department Commercial Lending
Sub Department Emerging Corporates
Sub Sub Department Sales
Reports To Zonal Head
Company Bajaj Finance Limited
- JOB PURPOSE To manage existing client base and to add more clients. Maintaining quality of the asset book managed by self
- PRINCIPAL ACCOUNTABILITIES
- Source New to Bajaj relationships for Commercial Emerging Corporate Business (Turnover <200 Cr). Experience in handling
Corporate client relationships is preferred
- Build a diversified portfolio offering revenues from Assets NII, Fees, Cross sell etc. Asset opportunities to be sourced aligned to the lending norms as prescribed.
- Appraise financial strength of client, advise and structure the facility meeting client’s requirement and fitting within policy parameters.
- Strong focus on Credit quality. Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified. Build a Portfolio which is solid and non-delinquent.
- Regular tracking of progress on the agreed key metrics towards delivering on the strategy.
- Track developments in the respective markets and provide feedback to the management team.
- Stakeholder management – Coordination with internal as well as external stakeholders
- MAJOR CHALLENGES
- Client management
- Ensuring pristine credit quality
- INTERACTIONS
Internal Clients
Roles you need to interact with inside the organization to enable success in your day to day work
- Region Head, Business Head, Group Business Head
- Credit/ Risk
- Operations
- COE
External Clients
Roles you need to interact with outside the organization to enable success in your day to day work
- Client officials, senior management, and promoters
- Vendors such as valuers, lawyers, etc
2
- DIMENSIONS
Financial Dimensions
- Net AR growth target while maintaining min NII threshold
- Fee income and NTB acquisition applicable
- SKILLS AND KNOWLEDGE
Educational Qualifications a) Qualifications
- CA / MBA Finance from a reputed institute preferred.
b) Work Experience
- Candidate needs to have an overall experience of more than 3 years in a Emerging Corporate - RM role with a reputed Bank /
NBFC would be preferred
- He must have exposure in lending to Emerging Corporate clients (Companies with revenue <200 Cr)
- Basic understanding of working capital and term lending products
- Flair and ability to evaluate business opportunities
- Relationship building and networking skills
- Strong communications and presentation skills
- Ability to get a given assignment/ job completed within the stipulated timeline