Relationship Manager-Working capital- coimbatore Manager

Axis Bank; Coimbatore District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Axis Bank is seeking a Relationship Manager for Working Capital Finance in the SME segment. You will originate new prospects, manage client relationships, and drive revenue by cross-selling products within the Business Banking Assets portfolio.

The role focuses on acquiring SMEs, handling proposals through disbursement, and maintaining portfolio health in Coimbatore. Prior WCF sales experience is mandatory for this position.

Qualifications

• Experience in Working Capital Products SME market.
• Strong ability to analyse balance sheets and financial ratios.
• Knowledge of security documentation for SME loans.
• Proven track record in acquiring New-to-Bank SME relationships.
• Experience cross-selling LI, GI and secured loans.
• Portfolio management and credit monitoring for BBG clients.

Responsibilities

• Originate new SME Working Capital Finance opportunities through direct sourcing and channels.
• Manage relationships with SME clients and guide proposals to disbursement.
• Cross-sell products to SME customers and maximize portfolio revenue.
• Coordinate with sales and technical teams for property valuation and risk assessment.
• Achieve business targets on volumes and profitability for BBG customers.
• Maintain portfolio hygiene from sourcing to documentation and limit loading.

Skills

Balance sheet analysis

Financial ratios

Security documentation

New client acquisition

Cross-selling

Portfolio management

Relationship management

Channel finance

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: Manager

Location: coimbatore