Small Business Banking SBB SME RM Bank Working Capital

Quotient Consultancy; Mumbai; On-site; INR 700,000 - 1,100,000; Full time

Job summary

Quotient Consultancy is sourcing a Small Business Banking SME RM position in Mumbai for a leading bank. The role focuses on acquiring and deepening relationships with SMB customers, offering working capital, loans, trade finance, and transaction banking solutions.

The ideal candidate has 2 years of relevant experience, a commerce/finance background, and MBA preferred. The job emphasizes portfolio growth, profitability, and high credit quality in a dynamic banking environment.

Qualifications

• Graduate in Commerce, Finance, Economics, or Business Administration.
• MBA/PGDM is preferred.
• 2 years of experience in Business Banking, SME Banking, Commercial Banking, Working Capital, or Relationship Management.

Responsibilities

• Acquire NTB Small Business Banking customers and build a strong pipeline.
• Manage an assigned portfolio and conduct regular customer meetings for cross-sell opportunities.
• Analyze financial statements, GST returns, and cash flows to structure credit proposals.
• Coordinate with Credit, Legal, Operations, and Risk teams for timely sanction and disbursement.
• Promote banking products and maximize fee income through relationship deepening.

Skills

Business acquisition

SME lending

Financial statement analysis

Working capital assessment

Portfolio management

Negotiation

Cross-selling

RBI regulations

Education

Bachelor's degree in Commerce/Finance/Economics/Business Administration

MBA/PGDM preferred

Job description

Small Business Banking SBB/ SME RM for Leading Bank

Mumbai

Job Purpose

To acquire, manage, and deepen relationships with Small Business Banking customers by offering customized working capital, business loan, liability, trade finance, and transaction banking solutions. The role focuses on portfolio growth, profitability, customer satisfaction, and maintaining high credit quality.

Key Responsibilities

Business Development

• Acquire new-to-bank (NTB) Small Business Banking customers.
• Build a strong pipeline through market mapping, referrals, channel partners, Chartered Accountants, and direct sales.
• Achieve monthly and annual targets for assets, liabilities, and fee income.
• Identify opportunities for working capital, LAP, business loans, term loans, and secured lending.

Relationship Management

• Manage an assigned portfolio of existing business banking customers.
• Conduct regular customer meetings to understand business requirements and identify cross-sell opportunities.
• Build long-term relationships to improve wallet share and customer retention.

Credit & Risk Management

• Analyze customer financial statements, banking behavior, GST returns, and cash flows.
• Structure suitable credit proposals in line with the bank's credit policy.
• Coordinate with Credit, Legal, Operations, and Risk teams for timely sanction and disbursement.
• Monitor portfolio quality and ensure low delinquency levels.

Cross-selling

• Promote Current Accounts, Business Savings Accounts, Fixed Deposits, Trade Finance, Cash Management Services (CMS), POS/QR solutions, Forex, Insurance, and other value-added banking products.
• Maximize fee income through relationship deepening.

Education

• Graduate in Commerce, Finance, Economics, or Business Administration.
• MBA/PGDM is preferred.

Experience

• 2 years of experience in Business Banking, SME Banking, Commercial Banking, Working Capital, or Relationship Management.
• Experience in sourcing secured business loans, LAP, or working capital facilities is preferred.

Required Skills

• Business acquisition and sales
• SME lending and credit appraisal
• Financial statement analysis
• Working capital assessment
• Portfolio and relationship management
• Negotiation and communication
• Cross-selling and customer engagement
• Knowledge of RBI and banking regulations

Key Performance Indicators (KPIs)

• New customer acquisition (NTB)
• Asset book growth
• Liability growth (CASA and deposits)
• Fee income generation
• Cross-sell ratio
• Portfolio profitability
• Delinquency and NPA control
• Customer retention and service quality