Relationship Manager-Supply Chain

Tata Capital; Pune District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Tata Capital is seeking an experienced SME Banking professional to originate new business, acquire SME customers, and drive revenue through working capital facilities and cross-selling of banking products.

The role involves evaluating credit risk, structuring facilities, and ensuring regulatory compliance while building strong relationships with SME clients across Pune district.

Responsibilities

• Originate new business prospects within the SME sector through direct sourcing and open market channels.
• Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.
• Meet existing SME clients to identify business opportunities and drive revenue.
• 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-sell retail banking products to SME customers to maximize revenue and meet sales targets.
• Assess the credit risk associated with SME clients and their proposed financing structures.
• Collaborate with credit and risk teams to ensure sound credit decisions.
• Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
• Prepare and present comprehensive credit proposals.
• 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.
• Ensure compliance with all relevant regulatory requirements and internal policies.
• Stay updated on changes in regulations affecting SME banking.

Job description

Main Accountabilities

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.