Business Loan Relationship Manager

Intellectual Capital HR Consulting Pvt. Ltd.; Indore District; On-site; INR 600,000 - 1,100,000; Full time

Job summary

Intellectual Capital HR Consulting Pvt. Ltd. invites applications for a Business Loan Relationship Manager in Indore. The role focuses on acquiring and nurturing SME/MSME and business banking customers to grow the bank's Business Loan portfolio.

The candidate will source loans such as Working Capital, Term Loans, LAP, and other business lending products, manage end-to-end processes, coordinate with Credit and Operations, and aim to achieve monthly/quarterly targets.

Qualifications

• Graduate/MBA in Finance, Marketing, Banking or a related discipline preferred.
• 2–6 years of relevant experience in Business Banking, SME/MSME Lending, Business Loans, LAP or Retail/Commercial Lending.
• Strong knowledge of the local business/MSME market and customer ecosystem.
• Good communication, negotiation and relationship-management skills.
• Ability to independently generate leads and develop a strong business network.

Responsibilities

• Acquire new SME/MSME and business banking customers.
• Generate leads and build pipeline for Business Loans, Working Capital, LAP and other lending products.
• Understand customers’ business models, financial requirements and funding needs.
• Manage end-to-end loan acquisition process from lead to disbursement.
• Coordinate with Credit, Operations, Risk, Legal and Compliance for timely processing.
• Develop and strengthen relationships through regular market visits and meetings.

Skills

Customer acquisition

Loan sourcing

Communication skills

Negotiation skills

Relationship management

Education

MBA in Finance

Job description

Job Description Business Loan Relationship Manager

Position

Business Loan Relationship Manager

Industry

Banking / Financial Services

Function

Business Banking / SME & MSME Lending

Role Summary

The Business Loan Relationship Manager will be responsible for acquiring, developing, and managing relationships with MSME/SME and business banking customers, with a primary focus on sourcing and growing the Business Loan portfolio.

The role involves identifying prospective customers, understanding their business and financial requirements, recommending appropriate lending solutions, managing the end-to-end loan acquisition process, and ensuring a high-quality loan portfolio while delivering revenue and business targets.

Key Responsibilities

• Acquire new SME/MSME and business banking customers through direct sourcing, referrals, market visits, connectors, and existing relationships.
• Generate leads and build a strong pipeline for Business Loans, Working Capital, Term Loans, LAP and other business lending products.
• Understand customers’ business models, financial requirements, cash flows, banking relationships, and funding needs.
• Recommend suitable loan products and structure proposals in line with customer requirements and the Bank’s credit policies.
• Manage the end-to-end sales process, from lead generation and customer acquisition to documentation, credit processing, sanction, and disbursement.
• Coordinate closely with Credit, Operations, Risk, Legal, Compliance and other internal teams to ensure timely processing of loan proposals.
• Conduct regular customer meetings and market visits to develop and strengthen business relationships.
• Maintain strong relationships with existing customers and identify opportunities for cross-selling and up-selling banking products.
• Generate business through CA/consultant networks, DSAs, connectors, business communities, corporate relationships and other sourcing channels.
• Ensure accuracy and completeness of customer and loan documentation.
• Monitor the portfolio and maintain regular contact with customers to identify early warning signals and potential repayment issues.
• Ensure adherence to the Bank’s credit, risk, KYC, AML, compliance and regulatory guidelines.
• Achieve assigned monthly/quarterly targets for disbursement, sourcing, revenue, customer acquisition and portfolio growth.
• Maintain accurate records of leads, applications, sanctions, disbursements and customer interactions in the Bank’s CRM/system.
• Track market developments, competitor offerings, pricing and lending trends to identify new business opportunities.

Key Products

Depending on the Bank's product portfolio, the RM may handle:

• Business Loans
• MSME/SME Loans
• Working Capital Loans
• Business Term Loans
• Loan Against Property (LAP)
• Cash Credit / Overdraft
• Machinery / Equipment Finance
• Trade Finance
• Commercial Vehicle / Business Finance
• Other secured and unsecured business lending products

Candidate Profile

• Graduate/MBA in Finance, Marketing, Banking or a related discipline preferred.
• 2–6 years of relevant experience in Business Banking, SME/MSME Lending, Business Loans, LAP or Retail/Commercial Lending.
• Strong experience in customer acquisition and loan sourcing.
• Good understanding of financial statements, business cash flows and basic credit assessment.
• Strong knowledge of the local business/MSME market and customer ecosystem.
• Good communication, negotiation and relationship-management skills.
• Ability to independently generate leads and develop a strong business network.
• Target-oriented with strong sales and business development capabilities.
• Ability to coordinate effectively with Credit and Operations teams.

Key Performance Indicators

• Business Loan sourcing
• Monthly/quarterly disbursement
• New customer acquisition
• Portfolio growthRevenue generation
• Lead-to-disbursement conversion
• Customer retention
• Cross-sell/up-sell
• Portfolio quality and delinquency
• Compliance and process adherence

Preferred Candidate

Candidates currently working with Banks, NBFCs or Financial Institutions in Business Banking, SME/MSME Lending, Business Loans, LAP, Working Capital or Commercial Lending will be preferred.