Relationship Manager-Working capital- CoimbatoreManager/ Sr. Manager

Axis Bank; Coimbatore District; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Axis Bank in Coimbatore seeks a Relationship Manager for Working Capital Finance to originate SME business, manage client relationships, and drive disbursement cycles. The role involves cross-selling, portfolio management, and close coordination with sales teams to deliver revenue and asset growth.

The candidate should have proven experience in working capital sales within SME markets, with strong credit appraisal skills and market networking abilities. Location: Coimbatore.

Qualifications

• Experience in working capital sales is mandatory.
• Strong ability to analyze balance sheets and financial ratios.
• Networking with local business banking market.
• Knowledge of SME clients acquisition for banks.

Responsibilities

• Originate new business prospects in SME through direct sourcing and open channels.
• Acquire and manage relationships; take proposals to disbursement stage.
• Cross-sell LI, GI and secured loans to SME clients.
• Monitor portfolio hygiene and credit monitoring; load limits and servicing.
• Coordinate with sales and technical teams for property valuation and product development.
• Achieve volumes and profitability targets for BBG customers.

Skills

Relationship management

SME banking

Working capital

Credit appraisal

Portfolio management

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/Sr.Manager

Location: Coimbatore