Z-1468 | Relationship Manager/ Sr. RM - SME

Typically looking at candidates of 35 years and below, on exception can consider candidates till 38-40 years of age.

West Zone locations openings –

• Ahmedabad/Gandhinagar- 1
• Gandhidham-1
• Rajkot - 2
• Baroda - 1
• Surat - 2
• Mumbai - 3
• Thane - 2
• Ankleshwar 1
• Bharuch - 1
• Jamnagar - 1
• Vapi - 1
• Nasik - 1
• Nagpur - 1
• Aurangabad - 1

Job Purpose:

The purpose of this job is to acquire and grow the lending book for the SME segment for the assigned geography. The role entails both identification of newer customer segments, as well as strengthening existing customer relationships through continuous engagement and ensuring customer retention on the lending platform.

Key Result Areas

Sales Growth:

• Achieves sales targets through driving pipeline funnel to achieve book size and market share
• Monitors local market trends and competitive offerings & identifies opportunities for business expansion for the region
• Ensures minimal client attrition through strong client engagement activities
• Engages with the investment bankers, chartered accountants and brokers in the for sourcing new business on a regular basis
• Raises escalation on delinquent cases/ potential NPAs and closely monitors these through the team for collection dues.
• Tracks key accounts in the portfolio about health of the business and potential early warning signs of NPAs

Client Acquisition & Relationship Management:

• Acquisition of new clients
• Increases quantum of area business through strong focus on cross-selling initiatives & innovative product mixes.
• Cultivates a deeper customer bonding by ensuring faster TATs in collaboration with the Credit analysts, enabling the use of technology to improve operational efficiencies & responsiveness in customer service to ensure retention of existing customers

Disbursal-Timely disbursement of the loans to customers with proper documentation:

• Coordinate with internal stakeholders to process the applications
• Coordinate with internal teams and respond to their queries to ensure timely & accurate disbursal
• Complete transactions with customer with appropriate documentation

Market Intelligence-Gather market intelligence towards evolving competitive business strategy, policies & processes

• Gather market intelligence on a regular basis
• Share the market intelligence with the Area Sales Manager

Portfolio quality, Profitability--Maintain quality of portfolio to minimize NPAs, Implement measures to ensure profitability:

• Track over-due account daily for the business
• Intervene to ensure collection for initial overdue accounts on timely basis
• Ensure profitability by right pricing, processing fees
• Implement all cost management initiatives on a timely & accurate basis

Organisation Process Efficiency-Implement process improvements to ensure process efficiencies:

• Adhere to all processes for pre & post sourcing processes
• Provide inputs to Area Sales Manager for Sales MIS