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.
- Good knowledge of CC/OD, Term Loan, Working Capital, Trade Finance, and Business Banking products.
- Strong 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