Relationship Manager (Sales) - Business Banking Unit

Role of Relationship Manager (Sales) - BBU Qualification: Graduates / Post Graduates Role purpose: Drive new asset acquisition across MSME segment for sourcing loans from INR 5 -25 Cr. and manage customer relationships across mapped branches/ geography. Work experience required: 5-7 years of experience as Relationship manager Relationship manager of Banks/NBFCs who are in the MSME Segment. Key skills: Strong Relationship Management skills Proficient sales and negotiation skills Strong understanding of Financials and Balance sheets Understanding of the Banking Industry and SME sector Job Responsibilities: Customer Acquisition and Lead Generation: Identify and meet potential MSME customers to generate new business opportunities Convert potential leads into actual business by effectively communicating the banks value proposition Ensure the achievement of business targets in terms of the incremental growth in the portfolio, number of customers and the quantum of disbursals. Conduct daily huddle meetings on lead identification and document meetings diligently through emails with BBH Due Diligence and Proposal Submission: Perform necessary KYC, customer validation, due diligence, and market enquiry. Collect required data/information as per the checklist Conduct mandatory unit and security visits before submitting proposals Submit proposals to the Processing Team through the LOS module. Follow up to obtain sanction and issuance of sanction letters within stipulated timelines. Coordination and Documentation: Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines Create and execute necessary documents, MOD, filing ROC, CERSAI, etc. Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines Introduce the Branch Head and other branch officials to the customer for account operations and communicate with the account parking branch. Post-Sanction Monitoring and Handover: Ensure monitoring of all post-sanction activities for the first year Complete monitoring of the account on an ongoing basis until the next renewal Handover the file to the Service RM for further renewals and servicing after first renewal is completed. Cross-Selling and Upselling: Achieve cross-sell or upsell targets and forex targets Conduct a minimum of 4 new customer visits per day and visit mapped branches twice a month for generation of quality leads and conversion. Compliance and Risk Management: Ensure all sanction terms and conditions are compiled within the timelines. Ensure Verification of stocks, units, Business performance after sanction All post sanction formalities to be complied with. Ensure quality of the portfolio without any delinquencies Job Locations: Bangalore / Delhi / Ahmedabad / Mumbai.