Relationship Manager-Supply Chain Finance

Ujjivan Small Finance Bank; Chennai District; On-site; INR 600,000 - 900,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Relationship Manager-SCF to join their SOUTH MICRO, SMALL AND MEDIUM ENTERPRISES DLSCF department. This role involves managing and expanding the bank's portfolio of MSME clients, focusing on tailored financial solutions and regulatory compliance.

The ideal candidate will have a Bachelor's degree in Finance, strong industry knowledge, and a minimum of 5 years experience in relationship management or credit roles. The position offers opportunities for professional growth and development.

Qualifications

• Minimum 5 years of experience in relationship management or credit roles within the banking sector, specifically dealing with MSME clients.

Responsibilities

• Develop and maintain strong relationships with MSME clients to understand their financial needs.
• Conduct thorough credit appraisals and risk assessments to evaluate loan proposals.
• Manage the end-to-end loan lifecycle including application processing and monitoring of accounts.
• Identify and pursue new business opportunities within the MSME segment.
• Collaborate with internal teams to ensure seamless service delivery.
• Monitor client accounts regularly to implement proactive measures to mitigate credit risks.
• Prepare detailed reports and presentations on portfolio performance.
• Educate clients on the bank's product offerings and financial literacy.
• Represent the bank at industry events and community outreach programs.
• Ensure compliance with all internal controls and regulatory requirements.

Skills

MSME Credit Appraisal

Client Relationship Management

Risk Assessment and Mitigation

Loan Portfolio Management

Financial Analysis and Reporting

Regulatory Compliance in Banking

Business Development in MSME Sector

Negotiation and Communication

Digital Banking Solutions

Education

Bachelor's degree in Finance, Business Administration, or a related field

MBA or equivalent postgraduate qualification preferred

Job description

POSITION DESCRIPTION

JOB TITLE: Relationship Manager-SCF

DEPARTMENT: SOUTH MICRO, SMALL AND MEDIUM ENTERPRISES DLSCF

ROLE PURPOSE OBJECTIVE

Join Ujjivan Small Finance Bank's SOUTH MICRO, SMALL AND MEDIUM ENTERPRISES DLSCF department as a key client relationship professional responsible for managing and expanding the bank's portfolio of small and medium enterprise clients. This role demands a strategic approach to client engagement, credit assessment, and portfolio management to drive business growth while ensuring compliance with regulatory standards. The ideal candidate will leverage deep industry knowledge and financial expertise to deliver tailored financial solutions, foster long-term partnerships, and contribute to the bank's mission of financial inclusion and sustainable development in the MSME sector.

KEY DUTIES AND RESPONSIBILITIES OF THE ROLE

• Develop and maintain strong relationships with MSME clients to understand their financial needs and provide customized banking solutions.
• Conduct thorough credit appraisals and risk assessments to evaluate loan proposals in alignment with the banks credit policies.
• Manage the end-to-end loan lifecycle including application processing, documentation, disbursement, and monitoring of accounts.
• Identify and pursue new business opportunities within the MSME segment to achieve assigned portfolio growth targets.
• Collaborate with internal teams such as credit, operations, and compliance to ensure seamless service delivery and adherence to regulatory requirements.
• Monitor client accounts regularly to identify early warning signals and implement proactive measures to mitigate credit risks.
• Prepare detailed reports and presentations on portfolio performance, client feedback, and market trends for senior management review.
• Educate clients on the banks product offerings, digital banking platforms, and financial literacy to enhance customer engagement and satisfaction.
• Represent the bank at industry events, local business forums, and community outreach programs to strengthen brand presence and network.
• Ensure strict compliance with all internal controls, audit requirements, and statutory regulations governing MSME lending.

MINIMUM REQUIREMENTS OF KNOWLEDGE AND SKILLS

Educational Qualifications

• Bachelors degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
• Minimum 5 years of experience in relationship management or credit roles within the banking sector, specifically dealing with MSME clients.

Functional Skills

• MSME Credit Appraisal
• Client Relationship Management
• Risk Assessment and Mitigation
• Loan Portfolio Management
• Financial Analysis and Reporting
• Regulatory Compliance in Banking
• Business Development in MSME Sector
• Negotiation and Communication
• Digital Banking Solutions