Role & responsibilities:
Acquire New-to-Bank (NTB) SME customers through open-market sourcing, references, connectors, and business networks.
Manage and deepen relationships with existing SME customers to increase wallet share and customer retention.
Source secured and unsecured business lending opportunities as per the bank's credit policy.
Understand customers' business models, financial requirements, cash flows, and funding needs.
Analyse financial statements, banking transactions, business performance, and credit requirements.
Prepare and coordinate credit proposals and ensure smooth processing with Credit, Risk, Legal, Technical, and Operations teams.
Cross-sell relevant SME products such as Term Loans, Working Capital, CC/OD, Business Loans, Trade Finance, Cash Management, Current Accounts, and other fee-based products.
Maintain a healthy sales pipeline and ensure achievement of monthly, quarterly, and annual business targets.
Monitor portfolio quality, repayment behaviour, overdue accounts, and early warning signals.
Ensure timely completion of documentation, KYC,



renewals, disbursement formalities, and post-sanction requirements.
Conduct regular customer visits and maintain strong relationships with business owners, promoters, and key decision-makers.
Ensure adherence to internal policies, credit norms, regulatory requirements, and compliance standards.

Preferred candidate profile:

Qualification: Graduate / Postgraduate; MBA/PGDM in Finance or Marketing preferred.
Experience: 2 5 years of relevant experience in SME/Business Banking, MSME, Business Loans, Working Capital, LAP, or Commercial Banking.
Robust understanding of SME lending and financial statement analysis.
Valuable knowledge of CC/OD, Term Loan, Working Capital, Trade Finance, and Business Banking products.
Robust sourcing, negotiation, relationship-management, and communication skills.
Candidates with experience in acquiring SME customers and handling an existing portfolio will be preferred.

📌 Relationship Manager Bengaluru
🏢 SKILLVENTORY
📍 Bengaluru