Role Overview

- Role Titles: Sales Executive, Sales officer , Relationship Manager (RM), Area Sales Manager (ASM), Working Capital Loans [1, 2]

- Objective: To drive the acquisition, structuring, and disbursal of working capital and short-term business credit facilities (such as Cash Credit [CC], Overdraft [OD], Letter of Credit [LC], Bank Guarantees [BG], and Trade Finance) to SME, MSME, and mid-market corporate clients. [1]

Key Responsibilities

- Client Acquisition &
- Sourcing:

Identify and onboard Current-to-Bank (NTB) customers through cold calling, market mapping, industrial clusters, DSA (Direct Selling Agent) networks, and OEM/vendor partnerships. [1, 2]

- Financial &

- Credit Analysis:

Conduct initial financial health checks, analyze balance sheets, profit & loss statements, and working capital cycles to prepare Credit Appraisal Memos (CAM). [1, 2]

- Structuring &

- Pitching:





Design tailored working capital packages (fund-based and non-fund-based limits) matching client cash-flow needs. [1]

- Coordination &

- Disbursal:

Liaise with credit, underwriting, risk, and technical/valuation teams to ensure smooth case processing, documentation closure, and strict adherence to Turnaround Time (TAT). [1, 2]

- Portfolio Management &

- Renewals:

Manage existing borrower accounts, handle annual limit renewals/enhancements, cross-sell related financial products (life/general insurance, term loans), and maintain portfolio health. [1, 2, 3]

- Market Intelligence: Track competitor offerings, local industry trends, and regulatory/priority sector lending guidelines. [1, 2]

📌 Working Capital Finance Relationship Manager sales (Delhi)
🏢 CalibeHR
📍 Delhi