Relationship Manager - CV- Sales-Kharagpur Tata Capital

3.0 - 7.0 years

0 Lacs

kharagpur, west bengal

On-site

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.,

Posted 3 days ago

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Relationship Manager - Equipment Finance - Digital - Sales - Chennai - Bharathi Salai - JM Tata Capital

3.0 - 7.0 years

0 Lacs

karnataka

On-site

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.,

Posted 1 week ago

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