Relationship Manager-CEQ

Relationship Manager Sales CEQ REPORTS TO (SOLID MATRIX) :

Position Grade :  Business Unit :  SME  Department :   Sales  Sub Function :  CEQ  Location :  Number of Positions : Single   /  Multiple  Position Type : Full Time

Job Purpose

Direct Reports (Position Title)

Resources

• The objective of the Relationship Manager - SME Banking is to originate new business prospects within the Small and Medium Enterprise (SME) sector through direct sourcing and open market channels. This role involves acquiring and managing customer relationships, taking proposals to the disbursement stage, generating revenue, and cross-selling retail products to SME clients.

Team Size

Direct :

Indirect Team Size (Onrolls) :

Financial Resources

Book Size : INR XX

Net interest income :

Main Accountabilities

Qualifications Experience

Minimum Degree : Post Graduate / Graduate in any discipline

Minimum Years / type of experience :

years

Competencies :

Speed

Meritocracy

Leadership Effectiveness

Customer Focus

Tech Quotient

Sustainability

Adaptability

Influence

Collaboration

Integrity

Resilience

Agility

Decisiveness

Risk management

Financial acumen

Functional Competencies

TCL shall populate as per the existing grid

Key Decisions taken

Selection of prospective SME clients to target for new business origination.

Assessment of credit risk associated with SME clients and financing structures.

Financial analysis and evaluation of creditworthiness of SME clients.

Structuring of credit facilities tailored to the unique needs and risk profiles of SME clients.

New Business Prospects :

Originate new business prospects within the SME / infrastructure sector through direct sourcing and open market channels.

Customer Acquisition :

Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.

Achieve the targeted New To Business (NTB) numbers

Business Generation :

Meet existing SME clients to identify business opportunities and drive revenue.

Cross-Selling :

Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.

Sales of other financial solutions including other products , leasing , insurance wealth etc .

Portfolio Quality

Maintain the Early delinquency (ED) and other compliance parameters including PDD , deferrals etc

Skills Required

Auditing, RED, Compliance, Loans