Sales Manager-SME/Working capital/LAP- Pudukkottai-thirukalambur

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

Job summary

Axis Bank in Pudukkottai, Tamil Nadu, is seeking a Relationship Manager for Working Capital Finance. The role focuses on originating new SME business, managing client relationships, and guiding proposals to disbursement while cross-selling business banking products.

The candidate should have experience in Working Capital products for SMEs, strong balance sheet analysis, and a well-developed local network. MBA freshers may also be considered for the Assistant Manager grade in this location.

Qualifications

• Experience in Working Capital Products SME market specialising in asset business is the primary requirement.
• Acquiring and Managing working capital customers (Channel Finance, Trade & Forex, CGTMSE limit, Bank)
• 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 termLoan 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.

Responsibilities

• Originating and managing new business prospects in SME sector through direct sourcing and open market channels.
• Acquiring and managing relationships, taking proposals to disbursement and generating revenue.
• Cross-selling products to SME clients for the Business Banking Assets group.
• Portfolio management and monitoring, maintaining hygiene of the customer portfolio from sourcing to approval, execution of docs and credit monitoring.
• Collaborating with sales and technical teams to develop WC products aligned to priority sector lending requirements.

Skills

Balance sheet analysis

Financial ratios

Security documentation

Networking

SME market knowledge

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:Thirukkalambur village in the Pudukkottai district of Tamil Nadu, India.