15 Credit Structuring Jobs

Business unit: Finance Experience Level: Experienced Professionals Job Description: This position is responsible for the credit risk analysis and management of a portfolio of accounts, working with customers and the business to optimize risk and return. Directly manage a portfolio of complex customer credit relationships that present high risk high value at risk and participate in the commercial deal process to optimize business returns by providing commercial insights, solutions, and advice which enable the business to optimize customer/portfolio risk vs. reward and achieve business objectives. This role will be responsible for credit management activities for an assigned customer portfolio, including risk assessments, establishing credit limits, credit line increases, analysis of overall customer and portfolio credit exposures and optimizing balance of risk vs. reward, making recommendations on credit terms and contract language, managing high risk situations trigger events, and the negotiation and management of security necessary to support higher risk exposures. Role will be responsible for maintaining effective working relationships with internal customers (Sales, OTC, Finance, Legal, etc.) and external 3rd party trade customers, partnering with the business to influence deal structures and provide risk-based advice on customer credit matters, It will also be responsible for identifying and driving strategies/actions to deliver Credit and business unit goals, approving credit limits with delegated authority and securing approval for exposures exceeding individual authority, managing financial/credit risk for a customer portfolio according to the Downstream Credit Manual, and leading and/or provide support to regional/global Credit and Business initiatives. Principal Accountabilities Assist and support Credit Manager with the development of credit strategies for assigned business. Support and execute the developed credit strategies. Primarily responsible for partnering with and providing advice to internal commercial and finance stakeholders, as well as external counterparties where applicable. Responsible for balancing business objectives against credit risk in accordance with policy and with direction from Credit Committees. Keep abreast with external macro trends and business strategy and evaluate its implication to portfolio being managed. Drive operational excellence in the area of credit management. Key Interfaces Interfaces with the relevant classes of business within Finance and Centers of Excellence. Customer intimacy and deep business and commercial knowledge, particularly with high risk/strategic customers Interacts with E2E Risk & Operations team (CVA, Receivable Mgt, CAA), Customer Operations, all relevant teams to provide solutions for any problems arising. Requires regular communications with business GMs, VPs and Finance Direct interaction with Senior stakeholders across all functions Required Skills and Experience: Minimum of 4 years of experience in a credit risk, credit structuring, or financial analysis role . Formal credit training from a bank of accredited association a plus. A Credit Risk background will be highly required for this opportunity Bachelors in finance, Accounting or related business degree; MBA or Chartered Accountancy a plus. Credit or Finance experience required with a strong understanding of financial statements, complex financial and risk analysis. Must be able to understand and interpret customer financial statements. Strong commercial acumen Excellent interpersonal, communication (verbal and written), and stakeholder management skills. Must have the professional competence and confidence to work effectively with both internal and external customers. Strong influencing and negotiating skills with ability to make tough decisions and assume accountability for those decisions. Ability to work decisions issues to a satisfactory conclusion while maintaining customer relationships. Must be positive, assertive, and self-motivated to achieve results. A strong team player and demonstrated evidence of leadership skills. Ability to analyze, interpret and visualize data to effectively convey insights and inform business decisions. Hindi Language required While a strong commercial acumen, financial analysis skills, sound risk management and decision-making skills are keys to success in this position, the successful candidate will need to be flexible and able to manage multiple priorities as well as manage the natural friction that occurs in a position charged with balancing risk and return in a large, dynamic customer portfolio.

As a Business Development Officer specializing in SME Banking, your primary responsibility is to identify and cultivate new business prospects within the SME sector. You will be expected to source potential clients through direct outreach as well as utilizing open market channels. Customer acquisition is a key aspect of your role, where you will be required to onboard SME customers and oversee their proposals from initiation to disbursement. Moreover, you will engage with existing SME clients to uncover new business opportunities and drive revenue growth. In providing working capital facilities to SMEs, you will offer a diverse range of financial products such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, and Term Loan tailored to meet the specific needs of each client. Your duties will also involve managing and nurturing customer relationships to ensure client satisfaction and retention. This includes addressing both service-related inquiries and sales queries, with the ultimate aim of fostering long-term engagement with SME clients. Cross-selling retail banking products to SME customers will be essential for revenue maximization and achieving sales targets. Additionally, you will be responsible for assessing the credit risk associated with SME clients and their proposed financing structures. Collaboration with credit and risk teams is crucial to making sound credit decisions. Conducting thorough financial analyses of SME clients to evaluate their creditworthiness and funding requirements will be part of your routine tasks. This will involve preparing and presenting comprehensive credit proposals tailored to each client's specific financial situation. As part of credit structuring, you will design credit facilities for SMEs that align with their business needs and risk profiles. Your goal is to optimize credit solutions to best serve the interests of SME clients. Ensuring compliance with all relevant regulatory requirements and internal policies is paramount in your role. Staying abreast of changes in regulations affecting SME banking is vital to maintaining operational integrity. To qualify for this position, a minimum of a Post Graduate or Graduate degree in any discipline is required. Your expertise in SME banking, customer relationship management, credit risk assessment, financial analysis, and compliance will be essential in excelling in this role.,

As a Credit Manager - Debt Syndication at InstaFinancials in Bangalore, you will play a crucial role in executing debt syndication deals for the SME and Mid-Corporate sectors. Your primary responsibility will be to structure and lead various financial solutions including working capital and term loans, debt refinancing, unsecured debt solutions, trade and project finance requirements, and foreign debt/ECBs. Your expertise in credit structuring across sectors such as Pharma, Manufacturing, Renewable Energy, and SME, coupled with a strong network among PSU and Private Banks, will be essential in efficiently executing debt syndication proposals. To excel in this role, you should hold a Bachelor's degree in Commerce or an MBA with a specialization in SME banking. With a minimum of 5 years of experience in SME Credit/Business Banking with Private Banks/PSUs, you should demonstrate strong analytical and problem-solving skills, excellent communication and negotiation abilities, and a solution-oriented mindset. Your proven track record in leading deal execution and credit division operations will be critical for success in this position. Your key responsibilities will include conducting detailed credit appraisals, structuring tailored financial solutions, managing end-to-end deal processes, and building and maintaining relationships with banks, NBFCs, and financial institutions. You will also need to ensure regulatory compliance and risk assessment in all credit transactions, while collaborating with internal teams to optimize deal execution and closure timelines. At InstaFinancials, you will have the opportunity to work in a dynamic and fast-paced environment, where you will be rewarded with a competitive remuneration package exceeding industry standards, leadership opportunities, profit-sharing incentives, and exposure to complex financial deals. If you are passionate about driving debt syndication solutions and possess the required expertise, we welcome you to join us in revolutionizing financial solutions for businesses. This is a full-time, permanent position with benefits such as health insurance, internet reimbursement, paid sick time, and Provident Fund. The work schedule is during day shifts from Monday to Friday, with additional performance and quarterly bonuses based on your contributions and achievements. The role requires in-person work at the specified location. If you are ready to take on this challenging yet rewarding role at InstaFinancials, we look forward to having you on board to contribute to our mission of transforming financial solutions for businesses.,

Job Description Relationship Manager Sales - SCF REPORTS TO (SOLID & MATRIX): Position Grade: Business Unit: SME Department: Sales Sub Function: SCF Location: Number of Positions: Single / Multiple Position Type: Full Time Job Purpose Direct Reports (Position Title) Resources The objective of the Relationship Manager - SME Banking is to originate and convert 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 retail products to SME clients. Team Size Direct: Indirect Team Size (Onrolls): Financial Resources Book Size: INR XX Net interest income: Main Accountabilities Qualifications & Experience Minimum Degree: Post Graduate/Graduate in any discipline Minimum Years/type of experience:3-6 years Competencies: Speed Meritocracy Customer Focus Tech Quotient Adaptability Influence Collaboration Integrity Resilience Risk management Financial acumen Functional Competencies TCL shall populate as per the existing grid Key Decisions taken Selection of prospective SME clients to target for new business origination. Assessment of credit risk associated with SME clients and financing structures. Financial analysis and evaluation of creditworthiness of SME clients. Structuring of credit facilities tailored to the unique needs and risk profiles of SME clients. New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels. Customer Acquisition: Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. Business Generation: Meet existing SME clients to identify business opportunities and drive revenue. Working Capital Facilities: Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions. Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals. Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients. Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking. JD Written by JD Approved by

Job Description 1 New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels. 2 Customer Acquisition: Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. 3 Business Generation: Meet existing SME clients to identify business opportunities and drive revenue. 4 Working Capital Facilities: Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. 5 Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. 6 Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. 7 Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions. 8 Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals. 9 Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients. 10 Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking. Qualifications - Minimum Degree: Post Graduate/Graduate in any discipline.

Job Description 1 New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels. 2 Customer Acquisition: Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. 3 Business Generation: Meet existing SME clients to identify business opportunities and drive revenue. 4 Working Capital Facilities: Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. 5 Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. 6 Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions. 7 Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals. 8 Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients. 9 Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking. Qualifications - Minimum Degree: Post Graduate/Graduate in any discipline.

Job Description Relationship Manager - Sales REPORTS TO (SOLID & MATRIX): Position Grade: Business Unit: SME Department: Sales Sub Function: EQF Location: Number of Positions: Single / Multiple Position Type: Full Time Job Purpose Direct Reports (Position Title) Resources The objective of the Relationship Manager - SME Banking 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 retail products to SME clients. Team Size Direct: Indirect Team Size (Onrolls): Financial Resources Book Size: INR XX Net interest income: Main Accountabilities Qualifications & Experience Minimum Degree: Post Graduate/Graduate in any discipline Minimum Years/type of experience:3-6 years Competencies: Speed Meritocracy Leadership Effectiveness Customer Focus Tech Quotient Sustainability Adaptability Influence Collaboration Integrity Resilience Agility Decisiveness Risk management Financial acumen Functional Competencies TCL shall populate as per the existing grid Key Decisions taken Selection of prospective SME clients to target for new business origination. Assessment of credit risk associated with SME clients and financing structures. Financial analysis and evaluation of creditworthiness of SME clients. Structuring of credit facilities tailored to the unique needs and risk profiles of SME clients. New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels. Customer Acquisition: Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. Business Generation: Meet existing SME clients to identify business opportunities and drive revenue. Working Capital Facilities: Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions. Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals. Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients. Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking. JD Written by JD Approved by

Job Description Relationship Manager - Sales REPORTS TO (SOLID & MATRIX): Position Grade: Business Unit: SME Department: Sales Sub Function: EQF Location: Number of Positions: Single / Multiple Position Type: Full Time Job Purpose Direct Reports (Position Title) Resources The objective of the Relationship Manager - SME Banking 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 retail products to SME clients. Team Size Direct: Indirect Team Size (Onrolls): Financial Resources Book Size: INR XX Net interest income: Main Accountabilities Qualifications & Experience Minimum Degree: Post Graduate/Graduate in any discipline Minimum Years/type of experience:3-6 years Competencies: Speed Meritocracy Leadership Effectiveness Customer Focus Tech Quotient Sustainability Adaptability Influence Collaboration Integrity Resilience Agility Decisiveness Risk management Financial acumen Functional Competencies TCL shall populate as per the existing grid Key Decisions taken Selection of prospective SME clients to target for new business origination. Assessment of credit risk associated with SME clients and financing structures. Financial analysis and evaluation of creditworthiness of SME clients. Structuring of credit facilities tailored to the unique needs and risk profiles of SME clients. New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels. Customer Acquisition: Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. Business Generation: Meet existing SME clients to identify business opportunities and drive revenue. Working Capital Facilities: Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions. Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals. Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients. Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking. JD Written by JD Approved by

Job Description 1 New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels. 2 Customer Acquisition: Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. 3 Business Generation: Meet existing SME clients to identify business opportunities and drive revenue. 4 Working Capital Facilities: Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. 5 Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. 6 Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. 7 Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions. 8 Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals. 9 Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients. 10 Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking. Qualifications - Minimum Degree: Post Graduate/Graduate in any discipline.

The Portfolio Management (PM) Team, a part of PB BLIS WM BL, is a newly established team that collaborates closely with Lenders/FO team for Subscription Finance product within the Mumbai, India location. As an Analyst in this team, you will be offered a variety of benefits such as a best-in-class leave policy, gender-neutral parental leaves, childcare assistance benefit, sponsorship for industry certifications, and comprehensive insurance coverage for you and your dependents. Additionally, you will have access to an Employee Assistance Program and other health benefits. Your key responsibilities will involve 1LoD risk management of the WM Lending portfolio, including financial statement analysis, credit structuring, covenant monitoring, collateral valuations, reporting, and facilitation of new lending transactions. You will work closely with bankers and FO staff to ensure client onboarding requirements are met and assist in the implementation of key team deliverables. To excel in this role, you should possess a postgraduate degree with analytical skills and a minimum of 3 years" experience in Private Bank/Wealth Management. Strong organizational skills, attention to detail, and proficiency in Microsoft Excel are essential. Excellent communication skills, the ability to work independently, and experience in global matrix organizations are preferred. You will receive training, coaching, and support to aid your career progression within a culture of continuous learning. Deutsche Bank Group values empowerment, responsibility, commercial thinking, and collaboration. They promote a positive, fair, and inclusive work environment, welcoming applications from all individuals. For more information about Deutsche Bank Group, please visit their company website at https://www.db.com/company/company.htm.,

As the Head of Execution at our client, a SEBI Registered Category-I Merchant Banker specializing in Investment Banking, Financial Advisory, and Debt Capital services, you will play a pivotal role in leading and overseeing the execution of debt syndication deals across various sectors. With a minimum of 10 years of experience in Banking, Corporate Lending, Structured Finance, or Debt Syndication, you will be responsible for managing the lifecycle of transactions from due diligence to structuring to closure and post-deal coordination. Your key responsibilities will include designing complex credit structures, ensuring compliance with regulatory frameworks, and building deep relationships with institutional lenders such as Banks, NBFCs, AIFs, and Corporate Treasuries. You will supervise the preparation of Credit Appraisal Notes, Financial Projections, Information Memorandums, and Investor/Lender Pitchbooks while managing timely delivery of documentation and regulatory approvals. In addition, you will handle stressed asset transactions, work on team building and mentorship, and collaborate across functions to ensure aligned execution and risk controls. Your domain expertise should include a strong grasp of banking operations, credit policy, corporate finance, and RBI guidelines, along with a deep understanding of capital markets, securitization, and structured debt instruments. To excel in this role, you should possess expertise in financial modeling, scenario analysis, and credit risk assessment, along with proficiency in Excel, PowerPoint, and financial software tools. Strong leadership, negotiation, and team management capabilities are essential, as well as excellent written and verbal communication skills for board-level and investor presentations. Preferred qualifications for this role include a CA, MBA (Finance), or CFA, with certifications in Credit Risk, Structured Finance, or Advanced Financial Modeling being desirable. If you have a client-first approach, solution-driven mindset, and the ability to manage multiple high-value transactions under tight timelines with sharp attention to detail, we invite you to apply for this challenging and rewarding position.,

As a professional in SME banking, you will be responsible for originating new business prospects within the SME sector through direct sourcing and open market channels. Your focus will be on acquiring SME customers, managing their proposals, and guiding them up to the disbursement stage. You will also meet existing SME clients to identify business opportunities and drive revenue. In this role, you will provide SMEs with a range of working capital facilities tailored to their specific needs, including Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, and Term Loan. Your responsibilities will also include managing and nurturing customer relationships, addressing service and sales queries to engage and retain SME clients. Cross-selling retail banking products to SME customers will be a key part of your role to maximize revenue and meet sales targets. You will assess the credit risk associated with SME clients and their proposed financing structures, collaborating with credit and risk teams to ensure sound credit decisions. Financial analysis will be a crucial aspect of your work, involving in-depth evaluation of SME clients" creditworthiness and funding requirements. You will prepare and present comprehensive credit proposals, structuring credit facilities for SMEs in alignment with their business needs and risk profiles, and optimizing credit solutions offered to them. Your role will also involve ensuring compliance with all relevant regulatory requirements and internal policies, staying updated on changes in regulations affecting SME banking. To qualify for this position, you should hold a minimum degree of Post Graduate/Graduate in any discipline.,

As a professional in SME banking, your role involves originating new business prospects within the SME sector through direct sourcing and open market channels. You will be responsible for acquiring SME customers, managing their proposals, and guiding them up to the disbursement stage. Additionally, you will meet with existing SME clients to identify business opportunities and drive revenue growth. Your key focus will be on providing SMEs with a range of working capital facilities tailored to their specific needs, including Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, and Term Loan products. You will also play a crucial role in managing and nurturing customer relationships, addressing both service and sales queries to engage and retain SME clients effectively. Cross-selling retail banking products to SME customers will be a part of your responsibilities to maximize revenue and meet sales targets. Furthermore, you will assess the credit risk associated with SME clients and their proposed financing structures, collaborating with credit and risk teams to ensure sound credit decisions. Conducting in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements will be essential. You will also be required to prepare and present comprehensive credit proposals, structure credit facilities aligning with SMEs" business needs and risk profiles, and optimize the credit solutions offered to SME clients. Ensuring compliance with all relevant regulatory requirements and internal policies is paramount. It is also crucial to stay updated on changes in regulations affecting SME banking to operate within the legal framework effectively. Qualifications for this role include a Post Graduate or Graduate degree in any discipline.,

As a professional in SME banking, your main responsibility will be to identify and develop new business prospects within the SME sector. You will be required to utilize direct sourcing and open market channels to originate these prospects effectively. Your role will also involve acquiring SME customers and managing their proposals from initiation to the disbursement stage. By meeting with existing SME clients, you will have the opportunity to identify potential business opportunities and drive revenue growth for the organization. In addition to providing SMEs with various working capital facilities tailored to their specific needs, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, and Term Loan, you will also be responsible for managing and nurturing customer relationships. This includes addressing both service and sales queries to ensure high engagement and retention rates among SME clients. Cross-selling retail banking products to SME customers will be a key aspect of your role, aimed at maximizing revenue and achieving sales targets set by the organization. Furthermore, you will be required to assess the credit risk associated with SME clients and their proposed financing structures. Collaboration with credit and risk teams will be necessary to ensure sound credit decisions are made. Conducting detailed financial analysis of SME clients to evaluate their creditworthiness and funding requirements will be part of your regular tasks. You will also be responsible for preparing and presenting comprehensive credit proposals to relevant stakeholders. Credit structuring for SMEs will be another critical aspect of your role. You will need to tailor credit facilities in a manner that aligns with the business needs and risk profiles of SME clients, while also optimizing the credit solutions offered to them. Ensuring compliance with all relevant regulatory requirements and internal policies will be imperative in your role. Staying updated on changes in regulations affecting SME banking and implementing necessary changes accordingly will be essential. To qualify for this position, you should hold a minimum of a Post Graduate or Graduate degree in any discipline. Your expertise in SME banking, combined with your ability to drive business growth and maintain strong customer relationships, will be key to your success in this role.,

As a professional in SME banking, you will play a crucial role in driving business growth and customer acquisition. Your primary responsibility will be to originate new business prospects within the SME sector through direct sourcing and open market channels. Additionally, you will acquire SME customers and guide them through the proposal process up to the disbursement stage. Meeting with existing SME clients will also be a key aspect of your role, where you will identify business opportunities and drive revenue. Providing SMEs with a range of working capital facilities tailored to their specific needs, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, and Term Loan, will be part of your regular activities. Customer relationship management is essential in this role, where you will manage and nurture customer relationships by addressing service and sales queries to engage and retain SME clients. Cross-selling retail banking products to SME customers will also be crucial to maximize revenue and meet sales targets. You will be required to assess credit risk associated with SME clients and their proposed financing structures. Collaboration with credit and risk teams will be necessary to ensure sound credit decisions. Conducting in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements will be part of your routine tasks, including preparing and presenting comprehensive credit proposals. Structuring credit facilities for SMEs in alignment with their business needs and risk profiles will be key. Optimizing credit solutions offered to SME clients will also be essential to support their growth and success. Compliance with all relevant regulatory requirements and internal policies is paramount, and staying updated on changes in regulations affecting SME banking is crucial. To excel in this role, you are expected to hold a minimum degree of Post Graduate/Graduate in any discipline. Your ability to drive new business prospects, manage customer relationships, assess credit risk, and ensure compliance with regulations will be critical in contributing to the success of SME banking operations.,