Relationship Manager - SME Banking Sales

Tata Capital Finance Ltd; Kolhapur District; On-site; INR 600,000 - 900,000; Full time

Job summary

Tata Capital Finance Ltd, Kolhapur, invites experienced Relationship Manager – Sales in SME Banking to join our team at Desai House-JM*. You will originate and manage SME client relationships, guiding proposals from sourcing to disbursement and driving revenue through cross-selling retail products.

Based in Kolhapur, this full-time role requires 3–6 years of relevant experience, strong credit risk assessment skills, and a drive for results within a fast-paced SME environment.

Qualifications

• Post Graduate/Graduate in any discipline
• 3–6 years of relevant SME banking sales experience
• Ability to source and manage proposals through disbursement
• Strong understanding of credit risk and financing structures

Responsibilities

• Originate new SME business prospects through direct sourcing and open market channels.
• Manage SME client relationships, taking proposals to the disbursement stage and generating revenue.
• Provide SMEs with working capital facilities (Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan).
• Cross-sell retail banking products to SME clients to maximize revenue.
• Collaborate with credit and risk teams to ensure sound credit decisions.
• Ensure compliance with regulatory requirements and internal policies.

Skills

Credit risk

Customer focus

Financial acumen

Adaptability

Collaboration

Integrity

Resilience

Speed

Meritocracy

Influence

Job description

Relationship Manager - Sales - Supply Chain -Kolhapur - Desai House-JM*

Relationship Manager – Sales - SCF

REPORTS TO (SOLID & MATRIX): Position Grade: Business Unit: SME Department: Sales Sub Function: SCF Location: Number of Positions: Single / Multiple Position Type: Full Time

Job Purpose

Direct Reports (Position Title) Resources 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.

Team Size Direct: Indirect Team Size (Onrolls): Financial Resources Book Size: INR XX Net interest income:

Main Accountabilities

Key Decisions taken

• Selection of prospective SME clients to target for new business origination.
• Assessment of credit risk associated with SME clients and financing structures.
• Financial analysis and evaluation of creditworthiness of SME clients.
• Structuring of credit facilities tailored to the unique needs and risk profiles of SME clients.

• New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels.
• Customer Acquisition: Acquire SME customers and manage their 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 SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs.
• Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients.
• Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.
• Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures.
• Collaborate with credit and risk teams to ensure sound credit decisions.
• Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
• Prepare and present comprehensive credit proposals.
• Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles.
• Optimize the credit solutions offered to SME clients.
• Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking.

Qualifications & Experience

Minimum Degree: Post Graduate/Graduate in any discipline Minimum Years/type of experience:3-6 years Competencies: Speed Meritocracy Customer Focus Tech Quotient Adaptability Influence Collaboration Integrity Resilience Risk management Financial acumen Functional Competencies TCL shall populate as per the existing grid

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