Relationship Manager , SME banking

Gravitas Recruitment Group Hong Kong; Hong Kong; On-site; HKD 450,000 - 750,000; Full time

Job summary

Gravitas Recruitment Group Hong Kong is seeking an experienced SME Banking Relationship Manager to lead new client acquisition and expand the portfolio across CASA deposits, commercial credit, and wealth products.

You will build relationships with SME founders, navigate credit risk controls, and collaborate with product teams to accelerate onboarding of credit facilities and government-backed financing.

Qualifications

• Diploma or degree holder in Finance, Business Administration, Economics, or related field.
• At least 3 years in commercial or SME banking relationship management and business development.
• A strong background in new-to-bank customer acquisition is highly desirable.
• Solid grasp of SME banking products, deposits, credit facilities, and government-backed financing programs (e.g., SFGS).
• Fluent in Cantonese and English; Mandarin a strong advantage.

Responsibilities

• New Client Acquisition: onboard SME accounts across CASA deposits, business credit, and core banking offerings.
• Commercial Credit & SFGS Financing: assess borrowing requirements and draft tailored credit packages using government-backed schemes and commercial loan options.
• Portfolio Expansion & Solution Cross-Selling: deepen relationships with wealth solutions including Investment & Insurance, treasury services, and MPF programs.
• Client Engagement & Risk Control: build durable partnerships with corporate decision-makers while adhering to credit risk standards and compliance.
• Team Guidance & Internal Alignment: support junior colleagues and partner with cross-functional product teams to accelerate onboarding and credit processing.

Skills

New client acquisition

Credit risk

Negotiation

Relationship mgmt

Cross-selling

Education

Diploma or degree

IIQE (Papers 1,3,5)

HKSI (Papers 1,7,8)

Job description

Why Join Us?

• Extensive Solution Portfolio: Deliver a full spectrum of commercial offerings. Access a broad suite of financial tools for SME clients—spanning CASA, trade finance, government-backed SFGS loans, commercial credit, and wealth products (Investment & Insurance).
• Strategic Business Expansion: We are rapidly scaling our SME market presence. Play a central role in driving this growth, gaining high internal visibility and accelerated career advancement opportunities.
• Consultative Client Partnering: Move beyond transaction-focused selling to serve as a trusted advisor to SME founders, assisting them in refining capital allocation, liquidity management, and commercial risk mitigation.

Key Responsibilities

• New Client Acquisition: Proactively prospect and onboard new SME accounts, driving growth across CASA deposits, business credit, and core banking offerings.
• Commercial Credit & SFGS Financing: Evaluate client borrowing requirements and draft tailored credit packages, utilizing government-backed SFGS schemes and commercial loan options to power business expansion.
• Portfolio Expansion & Solution Cross-Selling: Deepen existing client relationships by offering wealth solutions—including Investment & Insurance (I&I), treasury services, and MPF programs to maximize customer value.
• Client Engagement & Risk Control: Build enduring partnerships with corporate decision-makers while maintaining strict adherence to credit risk standards and internal bank compliance guidelines.
• Team Guidance & Internal Alignment: Support junior colleagues on business development tactics while partnering with cross-functional product teams to accelerate onboarding and credit processing.

Requirements

• Education: Diploma or degree holder, ideally in Finance, Business Administration, Economics, or a related field.
• Professional Experience: At least 3 years in commercial or SME banking relationship management and business development. A strong background in new-to-bank customer acquisition is highly desirable.
• Regulatory Qualifications: Valid IIQE (Papers 1, 3, 5) and HKSI (Papers 1, 7, 8) credentials for distributing wealth and insurance offerings.
• Subject Matter Expertise: Solid grasp of SME commercial banking products, deposit structures, credit facilities, and government-backed financing programs (e.g., SFGS).
• Core Competencies: Results-driven mindset with sharp commercial acuity, strong communication skills, and proven negotiation ability with business executives.
• Language Skills: Fluent in spoken and written Cantonese and English; proficiency in Mandarin is a strong advantage.