Job Overview
The Relationship Manager (Working Capital) is responsible for acquiring, managing, and growing relationships with SME, Mid-Corporate, and Corporate clients by offering working capital financing solutions. The role focuses on business development, credit assessment, portfolio management, cross-selling banking products, and ensuring high customer satisfaction while maintaining portfolio quality.
1) Acquire new SME/Mid-Corporate customers requiring working capital facilities.Generate business through referrals, direct sales, channel partners, and market networking.
2) Develop and maintain long-term relationships with business clients.Understand customers' business models, cash flow cycles, and financing requirements.Provide customized working capital solutions based on customer needs.Conduct periodic customer visits and portfolio reviews.
3) Monitoring portfolio health by minimising low delinquencies and low NPAs and cross-selling the othe banking products.
4) Analyze financial statements, bank statements, GST returns, and cash flows.Assess creditworthiness and repayment capacity.
5) Maintaing good relationship with internal teams for smooth disbursement, ensuring adherence to RBI guidelines and bank policies.
Preferring candidates experienced in sales of working capital products, emerging /mid corporates financing, sme banking sales, business banking, commercial banking, etc can be considered.