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

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

Job summary

Axis Bank in Nandyal, India is seeking a Relationship Manager for Working Capital Finance within the SME sector. You will originate and manage SME banking relationships, take proposals to disbursement, and drive revenue through cross-selling of working capital products.

The role requires strong balance sheet analysis and a strong local network. Experience in SME working capital products and channel development is preferred; MBA graduates with 0-2 years of sales experience are welcome to apply

Qualifications

• Experience in Working Capital Products SME market.
• Acquisition of new-to-bank business banking relationships.
• Sourcing of new bank accounts and cross-selling.
• Strong balance sheet analysis and financial ratios.
• Well-networked in local Business Banking market in the geography.

Responsibilities

• Originate and manage SME Working Capital Finance relationships.
• Take proposals to disbursement and revenue generation.
• Cross-sell LI, GI and secured loans to existing customers.
• Monitor portfolio health and perform credit monitoring.
• Coordinate with sales and valuation teams for product development.

Skills

Relationship management

SME Working Capital

Portfolio management

Credit documentation

Balance sheet analysis

Education

MBA

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: Nandyal