Relationship Manager-Working capital- Madurai Manager

Axis Bank; Madurai District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Axis Bank in Madurai seeks a Relationship Manager for Working Capital Finance to originate SME prospects and manage end-to-end credit cycles from sourcing to disbursement. You will grow the customer base, nurture relationships, and cross-sell working capital products, including CGTMSE, term loans, and trade finance.

Ideal candidates have strong SME market knowledge, asset-based WC experience, and a track record of portfolio hygiene and revenue growth in a similar geography.

Qualifications

• Experience in working capital sales for SME banking.
• Strong ability to analyse balance sheets and financial ratios.
• Knowledge of SME term loan and security documentation.

Responsibilities

• Originate new SME business prospects through direct sourcing and open channels.
• Acquire and manage customer relationships up to disbursement and revenue generation.
• Cross-sell products to SME clients in business banking.
• Maintain hygiene of portfolio and monitor credit and liquidity.
• Coordinate with sales and technical teams for product valuation and approvals.
• Achieve volume and profitability targets for BBG customers.

Skills

Working capital

SME market

Balance sheet analysis

Networking in Business Banking

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: Madurai