Area Sales Manager - Supply Chain - Pune - Fortune Centre - MM

TATA Capital; Pune District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

TATA Capital is seeking a Relationship Manager - SME Banking to originate and convert new business prospects in the SME sector. The role involves acquiring and managing customer relationships, guiding them through the proposal process, and cross-selling retail products to maximize revenue.

The ideal candidate will have a post-graduate or graduate degree, 3–6 years of relevant experience, and a strong focus on credit risk assessment and compliance with regulations.

Qualifications

• Minimum of 3–6 years of experience in SME banking or related fields.
• Ability to conduct financial analysis and assess creditworthiness.
• Strong skills in customer relationship management and sales targeting.

Responsibilities

• Originate new business prospects within the SME sector.
• Acquire and manage SME customer relationships.
• Provide various working capital facilities based on client needs.
• Cross-sell retail banking products to enhance revenue.
• Ensure compliance with regulatory requirements and internal policies.

Skills

Customer Focus

Financial Acumen

Risk Management

Credit Risk Assessment

Collaboration

Education

Post Graduate/Graduate in any discipline

Job description

Job Purpose

Objective: The objective of the Relationship Manager - SME Banking is to originate and convert 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.

New Business Prospects

• Originate new business prospects: within SME sector through direct sourcing and open market channels.

Customer Acquisition

• Acquire SME customers and manage proposals: guiding them up to the disbursement stage.

Business Generation

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

Working Capital Facilities

• Provide working capital facilities: such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on specific needs.

Customer Relationship Management

• Manage and nurture relationships: addressing service and sales queries to engage and retain SME clients.

Cross‑Selling

• Cross‑sell retail banking products: to SME customers to maximize revenue and meet sales targets.

Credit Risk Assessment

• Assess credit risk: associated with SME clients and proposed financing structures.
• Collaborate with credit and risk teams: to ensure sound credit decisions.

Financial Analysis

• Conduct financial analysis: of SME clients to evaluate creditworthiness and funding requirements.
• Prepare and present: comprehensive credit proposals.

Credit Structuring

• Structure credit facilities: for SMEs aligning with business needs and risk profiles.
• Optimize credit solutions: offered to SME clients.

Compliance and Regulations

• Ensure compliance: with all relevant regulatory requirements and internal policies.
• Stay updated: on regulatory changes affecting SME banking.

Competencies

• Speed
• Meritocracy
• Customer Focus
• Tech Quotient
• Adaptability
• Influence
• Collaboration
• Integrity
• Resilience
• Risk Management
• Financial Acumen

Qualifications & Experience

• Minimum Degree: Post Graduate/Graduate in any discipline.
• Minimum Years of Experience: 3–6 years.

Key Decisions

• Select prospective SME clients: to target for new business origination.
• Assess credit risk: associated with SME clients and financing structures.
• Analyze creditworthiness: of SME clients.
• Structure credit facilities: tailored to unique needs and risk profiles.