Relationship Manager-SBB-Working capital- Thrissur

Axis Bank; Thrissur; On-site; INR 800,000 - 1,500,000; Full time

Job summary

Axis Bank in Thrissur is seeking a Deputy Manager in Relationship Management for Working Capital Finance in the SME segment. The role focuses on originating new business, acquiring and managing SME relationships, and driving revenue through cross-selling of working capital products.

You will work with BB Assets to manage portfolios and ensure credit documentation and disbursement processes are efficient. The ideal candidate has experience in SME working capital products, strong balance sheet

Qualifications

• Experience in working capital products for SME market.
• Strong balance sheet analysis and financial ratios knowledge.
• Well networked in local Business Banking market.

Responsibilities

• Originate new business prospects within the SME sector through direct sourcing and open market channels.
• Acquire and manage customer relationships, take proposals to disbursement, generate revenue.
• Cross-sell products to SME clients for the Business Banking group.
• Sourcing of new bank accounts and expand the portfolio based on customer requirements.
• Monitor portfolio hygiene and credit monitoring; coordinate with sales and technical teams for valuation and approvals.

Skills

Relationship management

SME banking

Working capital

Portfolio management

Credit analysis

Cross-selling

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

Location: Thirssur