Business Loan Relationship Manager

Position

Business Loan Relationship Manager

Industry

Banking / Financial Services

Function

Business Banking / SME & MSME Lending

Role Summary The Business Loan Relationship Manager will be responsible for acquiring, developing, and managing relationships with MSME/SME and business banking customers, with a primary focus on sourcing and growing the Business Loan portfolio.

The role involves identifying prospective customers, understanding their business and financial requirements, recommending appropriate lending solutions, managing the end-to-end loan acquisition process, and ensuring a high-quality loan portfolio while delivering revenue and business targets.

Key Responsibilities

- Acquire new SME/MSME and business banking customers through direct sourcing, referrals, market visits, connectors, and existing relationships.
- Generate leads and build a strong pipeline for Business Loans, Working Capital, Term Loans, LAP and other business lending products.
- Understand customers’ business models, financial requirements, cash flows, banking relationships, and funding needs.
- Recommend suitable loan products and structure proposals in line with customer requirements and the Bank’s credit policies.
- Manage the end-to-end sales process, from lead generation and customer acquisition to documentation, credit processing, sanction, and disbursement.
- Coordinate closely with Credit, Operations, Risk, Legal, Compliance and other internal teams to ensure timely processing of loan proposals.
- Conduct regular customer meetings and market visits to develop and strengthen business relationships.
- Maintain strong relationships with existing customers and identify opportunities for cross-selling and up-selling banking products.
- Generate business through CA/consultant networks, DSAs, connectors, business communities, corporate relationships and other sourcing channels.
- Ensure accuracy and completeness of customer and loan documentation.




- Monitor the portfolio and maintain regular contact with customers to identify early warning signals and potential repayment issues.
- Ensure adherence to the Bank’s credit, risk, KYC, AML, compliance and regulatory guidelines.
- Achieve assigned monthly/quarterly targets for disbursement, sourcing, revenue, customer acquisition and portfolio growth.
- Maintain accurate records of leads, applications, sanctions, disbursements and customer interactions in the Bank’s CRM/system.
- Track market developments, competitor offerings, pricing and lending trends to identify current business opportunities.

Key Products Depending on the Bank's product portfolio, the RM may handle:

- Business Loans
- MSME/SME Loans
- Working Capital Loans
- Business Term Loans
- Loan Against Property (LAP)
- Cash Credit / Overdraft
- Machinery / Equipment Finance
- Trade Finance
- Commercial Vehicle / Business Finance
- Other secured and unsecured business lending products

Candidate Profile

- Graduate/MBA in Finance, Marketing, Banking or a related discipline preferred.
- 2–6 years of relevant experience in Business Banking, SME/MSME Lending, Business Loans, LAP or Retail/Commercial Lending.
- Strong experience in customer acquisition and loan sourcing.
- Good understanding of financial statements, business cash flows and basic credit assessment.
- Strong knowledge of the local business/MSME market and customer ecosystem.
- Good communication, negotiation and relationship-management skills.
- Ability to independently generate leads and develop a strong business network.
- Target-oriented with strong sales and business development capabilities.
- Ability to coordinate effectively with Credit and Operations teams.

Key Performance Indicators

- Business Loan sourcing
- Monthly/quarterly disbursement
- New customer acquisition
- Portfolio growth
- Revenue generation
- Lead-to-disbursement conversion
- Customer retention
- Cross-sell/up-sell
- Portfolio quality and delinquency
- Compliance and process adherence

Preferred Candidate Candidates currently working with Banks, NBFCs or Financial Institutions in Business Banking, SME/MSME Lending, Business Loans, LAP, Working Capital or Commercial Lending will be preferred.

📌 Business Loan Relationship Manager (Delhi)
🏢 Intellectual Capital HR Consulting
📍 Delhi