Relationship Manager - Commercial Vehicle - Sales

Role Overview: You will be responsible for originating new business prospects within the SME sector through direct sourcing and open market channels. Acquiring SME customers, managing their proposals, and guiding them up to the disbursement stage will be crucial. Additionally, you will meet existing SME clients to identify business opportunities and drive revenue. Providing SMEs with a variety of working capital facilities tailored to their specific needs, managing customer relationships, cross-selling retail banking products, assessing credit risk, conducting financial analysis, structuring credit facilities, and ensuring compliance with regulations will also be part of your responsibilities. Key Responsibilities: - Originate new business prospects within the SME sector through direct sourcing and open market channels - Acquire SME customers and manage their proposals, guiding them up to the disbursement stage - Meet existing SME clients to identify business opportunities and drive revenue - Provide SMEs with working capital facilities such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc. - Manage and nurture customer relationships, addressing service and sales queries to engage and retain SME clients - Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets - Assess credit risk associated with SME clients and their financing structures, collaborating with credit and risk teams for sound credit decisions - Conduct in-depth financial analysis of SME clients, evaluate creditworthiness, and funding requirements, prepare and present comprehensive credit proposals - Structure credit facilities for SMEs aligning with their business needs and risk profiles, optimize credit solutions offered to SME clients - Ensure compliance with all relevant regulatory requirements and internal policies, stay updated on changes affecting SME banking regulations Qualification Required: - Minimum Degree: Post Graduate/Graduate in any discipline,