Sales Manager-SME/Working capital/LAP- Chittoor- Andhra Pradesh

Axis Bank; Chittoor; On-site; INR 480,000 - 640,000; Full time

Job summary

Axis Bank in Chittoor, Andhra Pradesh seeks a Relationship Manager for Working Capital Finance to originate SME business and manage client relationships up to disbursement. The role focuses on working capital products, channel sourcing, and cross-selling within Business Banking Assets.

The candidate should have exposure to SME working capital, balance sheet analysis, and security documentation. MBA freshers are considered for the Assistant Manager grade, with a strong local network preferred.

Qualifications

• Experience in Working Capital Products SME market.
• Ability to acquire and manage SME relationships and take proposals to disbursement.
• Experience in portfolio monitoring and cross-selling.

Responsibilities

• Originate new business prospects in SME sector through direct sourcing and open market channels.
• Acquire and manage customer relationships and take proposals to disbursement.
• Cross-sell products to SME clients for the Business Banking group.
• Maintain hygiene of customer portfolio and monitor credit.
• Coordinate with sales and technical teams for product development and valuation.
• Achieve targets on volumes and profitability for BBG customers.

Skills

Balance sheet analysis

Financial ratios

Security documentation

Acquisition of New-to-Bank customers

Cross-selling

Education

MBA degree

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 Sales of 0-2 years / MBA fresher

Grade: Assistant Manager

Location: Chittoor