Job Description

We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Small Enterprises (SE) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging upto 100 Cr , maintaining portfolio hygiene, and actively engaging in cross-selling - financial products.Key Responsibilities:1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the small enterprise segment with turnover upto 100 Cr. Identify opportunities through market intelligence, references, and industry - networking.2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention.3. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with bank's credit policies.4. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings.5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies.6. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.Desired Candidate Profile:- Graduate/Postgraduate in Finance, Commerce, or a related field.- 3-4 years of experience in corporate/SME/ME banking.- Strong understanding of credit analysis ,CAM Preparation and financial statements.- Excellent relationship management and communication skills.- Proven ability to drive business and manage risk effectively. (ref:updazz.com)

Skills Required