Business Development

• Acquire new SME customers seeking working capital and business financing.

• Generate business through direct sourcing, referrals, and channel partners.

• Build a solid local market presence and continually develop new business opportunities.

• Achieve monthly disbursement, revenue, and portfolio targets.

Customer Acquisition

• Identify customers with funding needs across Invoice Discounting, Supply Chain Finance (Dealer Financing, and Vendor Financing).

• Understand each customer's business model and financing requirements.

• Clearly explain product features, eligibility criteria, documentation requirements, and repayment structures.

Relationship Management

• Build long-term relationships with SME customers.

• Maintain regular engagement with existing customers to drive repeat business and cross-selling.

• Ensure high customer satisfaction across the lending journey.

• Coordinate with customers to ensure timely document submission and query resolution.

Credit Assessment Support

• Conduct preliminary customer profiling, field visits, and business verification.

• Collect and verify required documents, including GST filings, bank statements, financial statements, and income tax returns.

• Prepare initial credit notes or customer summaries as required.

Sales Process Management

• Ensure loan applications are complete and accurate.

• Coordinate with Credit, Operations, Risk, Legal, and Product teams to enable faster turnaround.

• Track applications through login, sanction, documentation, and disbursement.

• Ensure timely closure of pending credit queries.





Market Intelligence & Portfolio Quality

• Track competitor offerings, market trends, and emerging industry segments.

• Share customer feedback to support product improvement.

• Source customers who meet underwriting guidelines and maintain portfolio quality through disciplined customer selection.

• Support the collections team as needed and proactively manage relationships to minimise delinquency.

Education: Graduate in any discipline; MBA preferred

Experience: 2-6 years in SME lending, Working Capital, Supply Chain Finance, or Commercial Lending. Experience with an NBFC, Bank, FinTech, or other financial institution is preferred.

Skills Required

Technical Skills

• SME lending knowledge

• Financial statement understanding

• Bank statement analysis

• GST understanding

• Credit underwriting basics

• Sales pipeline management

• CRM usage

• MS Excel and PowerPoint

Behavioural Skills

• Strong communication skills

• Relationship building

• Negotiation

• Customer-centric approach

• Problem solving

• Ownership mindset

• Time management

• Team collaboration

Success Metrics (First 6 Months)

• Achieve assigned monthly disbursement targets.

• Build a healthy and diversified sourcing pipeline.

• Maintain high-quality application submissions with minimal credit queries.

• Develop a strong referral and connector network.

• Maintain portfolio quality within acceptable delinquency thresholds.

• Deliver a superior customer experience while adhering to internal processes and regulatory requirements.

📌 Relationship Manager – SME (Gurugram)
🏢 Happiest Resume
📍 Gurugram