Relationship Manager - Working Capital

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

Job summary

Ujjivan Small Finance Bank Ltd. seeks a Relationship Manager to drive MSME lending and cross-sell financial products at branch level. The role focuses on acquiring Working Capital customers, managing 20–40 client relationships, and aligning with Credit and Operations for timely disbursements.

The ideal candidate has 2–4 years in sales and working capital experience, with strong communication and regional language skills. Travel may be required.

Qualifications

• MBA/CA with 2 years experience or 4-year graduate with relevant sales experience.
• 2–4 years in sales and documentation of working capital business.
• Mixed sales + credit experience acceptable, predominantly sales.

Responsibilities

• Monitor achievement of targets monthly/annually for assigned branches.
• Implement and supervise commercial strategy to reach growth targets.
• Educate customers about products/services offered by Ujjivan.
• Minimize customer attrition by offering suitable products.
• Maintain low turnaround time and ensure proper credit procedures.
• Coordinate with Credit Manager and Operations for disbursement.
• Maintain daily sales report and DSA tracker.

Skills

Sales performance

Customer engagement

Marketing & sales planning

Liabilities & Insurance knowledge

English communication

Training skills

Travel willingness

MIS & lending software

Education

MBA/CA with 2 years experience

4-year graduate with sales experience

Tools

MIS systems

Lending software

Job description

MSMEvertical is a growing business for Ujjivan. The RelationshipManager will be an important position that will drive thisbusiness for the particular location.

Focusedcustomer acquisition of Working Capital - Fund Based & NonFund Based customers for Facility amount up to Rs. 10 Cr anddrive business.

Self-sourcingof potential customer. Conversion of Leads from Channel partners(DSA/Connector) and Ujjivan Staff referrals.

Focuson Relationship building with clients through cross sell of CA,TD, Insurance, Salary accounts, BNB and drive transactionsthrough Ujjivan

Coordinatedwith team members for the disbursement and work effectively forachieving assigned business targets

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

MonthlyBusiness volume as per the business target. Productivity ofaround 1.5 – 2 Cr Monthly Fresh Limit set-up

TimelyInterest serving, Regular Churning to prevent Delinquency

TimelyRenewal of existing customers, managing 20 – 40 customers

Coordinationwith Credit Manager for case approval and CAD and Operations forcase disbursement.

MaintainsDaily sales report and sharing with supervisor.

MaintainsDSA tracker for pay-out processing

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for branchesunder his/her responsibility

Implement,supervise and control effectiveness of commercial strategy toreach the productivity and growth targets established.

Customer(Both Internal & External)

Ensurecustomers are educated about all products/services offered byUjjivan.

Ensurelower customer attrition by providing different products as percustomer requirement.

Focuson lower TAT as per laid down standards.

InternalProcess

Monitorhealth of portfolio

Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools

Discussstrategies and changes in terms of products, capacity building,procedures etc.

Innovation& Learning

Ensureadherence to training man-days/ mandatory training programs forself

Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

MBA/ CA with 2 Year experience. In case of other Graduate, relevant4 year experience

Experience

2- 4 years in sales and documentation of working capital business.Mixed experience of Sales + Credit is acceptable, but should bepredominantly in sales

Certifications

NA

FunctionalSkills

Abilityto drive sales performance. Will be required to manage customersof MSME loan at Branch level.

Abilityto engage with customers, colleagues & agencies providingvaluation and legal opinion. Plan & execute Marketing andSales promotion for MSME loans

Awarenessabout different Liabilities, Insurance and loan products.

Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English

BehavioralSkills

Productknowledge

TrainingSkills

Willingnessto travel & relocation as per business requirements andcareer opportunities

Managingcustomer relations

Performanceoriented

Competentto handle MIS systems and Lending Software