Relationship Manager-Small Business Enterprise-Sales

Job Role

• Manage and service existing portfolio of SBE clients (upto Rs.100 lacs) including renewal and enhancement of limits
• Build strong and effective relationship with Promoters and build client trust and confidence
• Understand business models, target segments, cash flows, structure working capital and business loan solutions to best suit customer needs.
• Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP.
• Ensure timely renewal of limits
• Ensure timely closure of all pending PDD's.
• Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance.
• Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model.
• Maintain optimum portfolio hygiene by ensuring client's entire churn is routed through KMBL along with closure of other CA's.
• Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction.
• Ensure minimum delinquency and work towards exit of clients identified in EWS.
• Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working.
• Liaison with internal departments - credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT.
• Drive cross sell products and book penetration in allocated set of clients.
• Generate leads from existing customers and on-board new customer's basis existing relationship management.
• Maintain CASA book and generate float income by opening all group accounts.
• Tracking of trade and forex transaction done by customer and generating income opportunities from this.

Job Requirement

• Preferably MBA/ CA
• Experience: 2-3 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees.
• Strong oral and written Communication
• Relationship Management Skill
• Good influencing skills
• Job Knowledge- The candidate would need to handle Sales for a gamut of products like OD, CC, BG, BL etc.
• Excellent written and oral communication skills