Relationship Manager-SBB-Working capital- Malappuram / Kottayam

Axis Bank; Malappuram, Kottayam; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Axis Bank seeks a Relationship Manager for Working Capital Finance in the SME segment within the Business Banking Assets (BB ASSETS) group. The role focuses on originating, acquiring, and managing working capital facilities including CC, OD, and term loans for SME clients.

The candidate will build and maintain customer relationships, drive revenue through cross-selling, and ensure portfolio hygiene from sourcing to disbursement across Malappuram and Kottayam regions.

Qualifications

• Experience in Working Capital Sales/SME sector is essential.
• Strong balance sheet analysis and financial ratio skills.
• Knowledge of security documentation for SME loans and working capital.
• Market networking in local Business Banking areas is advantageous.

Responsibilities

• Originate and manage Working Capital Finance for SME clients, from sourcing to disbursement.
• Cross-sell LI/GI/secured loans and other BBG products to existing clients.
• Acquire new SME relationships through channels and open market sourcing.
• Monitor portfolio hygiene and ensure timely credit monitoring and documentation loading.
• Coordinate with Sales and technical teams for property valuation and product development.
• Achieve BBG targets in volumes and profitability.

Skills

Relationship mgmt

SME Banking

Working Capital

Financial analysis

Cross-selling

Channel sourcing

Job description

Roles and Responsibilities

The objective of the Relationship Manager Working Capital Finance is to originate 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 products to SME clients for the business banking group.

Profile - Relation Manager - Working Capital Finance, CC, OD, Term Loan, SME Finance - Business Banking Assets (BB ASSETS)

Acquiring and Managing working capital customers (Channel Finance, Trade & Forex, CGTMSE limit, Bank

Experience in Working Capital Products SME market specialising in asset business is the primary requirement.

Acquisition of New-to-Bank Business banking relationships with Knowledge Banking approach.

Sourcing of new bank accounts through various channels and enhancing the portfolio based on customer requirements

Strong skills in balance sheet analysis, financial ratios, and security documentation on SME term Loan working capital

well networked in the local Business Banking market, preferably having worked in similar geography and profile.

Knowledge of SME clients acquisition for Banks.

Manage working capital clients under Small Enterprise Group Segment (Turn over from 50 Lac to 20 Crores).

Portfolio Management-Monitoring the portfolio of accounts on time. Maintain relationships with business banking to originate business with complex customers (Manage relationship with the customers by increasing the book size)

Maintain hygiene of the customers portfolio, managing sourcing phase to approval, execution of docs, loading of limit, servicing & credit monitoring stage. Cross sell to the existing customers (LI, GI & Loan secured)

Dealing with business/sales team for development of new working capital products in accordance to priority sector lending requirement Coordinate technical team for the valuation of the properties. Increasing the IPH and CTG to ensure revenue maximisation. To achieve overall business targets on volumes and profitability for BBG customers.

Good working experience in assert loan is accepted.

Prior Experience in working capital sales is mandatory

Grade: Deputy Manager / Manager

Location: Malappuram / Kottayam