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Senior Relationship Manager

Senior Relationship Manager

ConfidentialBengaluru / Bangalore, Hyderabad / Secunderabad, Telangana, Delhi
30+ days ago
Job description

This opening is in our Mid-Market and Supply Chain Lending vertical. The main products that we deal with are Working Capital and Supply Chain Products. This is an Aquisition role catering to a ticket size of 10-100 crores of lending.

Required Skills & Competencies :

  • The Mid-Market and Supply Chain function is responsible for financing the short-term, medium-term, and long-term working capital and supply chain needs of SMEs through a suite of customized products with varied tenures.
  • The key business metrics for success include loan book size, profitability, and a zero-tolerance approach to delinquency.
  • A strong understanding of business finance, loan structuring techniques, and credit administration is essential to building credibility with customers and gaining a competitive edge.
  • Deep knowledge of local market dynamics including specific occupations / trades, industries, and local financial and investment preferences is critical for structuring loans effectively and identifying new business opportunities.
  • Expand market share in targeted locations and outpace competition.
  • Continuously upgrade financial acumen, including knowledge of loan structuring methods and business financials, to build trust and credibility with customers.
  • Stay informed about recent market trends and evolving local market preferences to align with customer needs.
  • Ensure strong credit quality by conducting effective portfolio selection and pre-screening to minimize the risk of non-performing assets (NPAs).
  • Safeguard financed amounts by conducting post-sanction surveillance, maintaining strong client relationships, and monitoring collateral to ensure the complete safety of the financing.

Key Responsibilities :

1.   Sales Growth

Achieve sales targets through the following actions :

  • Drive pipeline funnel to achieve book size and market share.
  • Monitor local market trends and competitive offerings, identifying opportunities for business expansion in the region.
  • Ensure minimal client attrition through strong client engagement activities.
  • Regularly engage with investment bankers, chartered accountants, and brokers to source new business.
  • Raise escalation on delinquent cases / potential NPAs and closely monitor these through the team for collection dues.
  • Track key accounts in the portfolio for business health and early warning signs of NPAs.

    • 2. Client Acquisition & Relationship Management

  • Acquisition of new clients by identifying potential leads and conversion strategies.
  • Increase area business volume through strong cross-selling initiatives and innovative product offerings.
  • Cultivate deeper customer relationships by ensuring faster turnaround times (TATs) in collaboration with Credit Analysts.
  • Utilize technology to improve operational efficiencies and responsiveness in customer service, ensuring retention of existing customers.

    • 3. Disbursal - Timely Loan Disbursement with Proper Documentation

  • Coordinating with internal stakeholders to process loan applications.
  • Responding to queries from internal teams to ensure timely and accurate disbursal.
  • Completing transactions with customers with the appropriate documentation.

    • 4. Market Intelligence

  • Gather market intelligence on competitive strategies, policies, and processes regularly.
  • Share the collected market intelligence with the Area Sales Manager to adjust business tactics accordingly.

    • 5. Portfolio Quality & Profitability

  • Track overdue accounts daily for the business and ensure timely collections.
  • Intervene to ensure collection on initial overdue accounts in a timely manner.
  • Ensure profitability by applying appropriate pricing strategies and processing fees.
  • Implement cost management initiatives on a timely and accurate basis.

    • 6. Organization Process Efficiency

  • Adhere to all processes for both pre and post-sourcing activities.
  • Provide input to the Area Sales Manager for the Sales MIS to improve reporting and operational performance.

    • Skills Required

    supply chain finance, Mid Market, lending , Working Capital

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    Relationship Manager • Bengaluru / Bangalore, Hyderabad / Secunderabad, Telangana, Delhi