Relationship Manager - SME Lending

Key Responsibilities

1. Client Relationship Management:
• Manage a portfolio of SME clients.
• Build and maintain strong relationships with existing and prospective SME customers.
• Conduct regular client meetings and reviews.
2. Business Development:
• Identify new business opportunities and acquire new SME clients.
• Generate leads and convert them into sales for financial products (e.g., Invoice Financing, WCTL/WCDL, Equipment Finance, LRD etc).
3. Credit & Risk Assessment:
• Analyze financial statements, cash flow, and business models to assess creditworthiness.
• Prepare and submit credit proposals for approval.
• Monitor loan performance and take early action on risk indicators.
4. Product Knowledge & Advisory:
• Understand the range of SME products (e.g., term loans, Invoice Financing, Factoring etc)
• Advise clients on suitable banking solutions based on business needs.
5. Compliance & Documentation:
• Ensure all processes comply with regulatory and internal policies.
• Maintain accurate client records and documentation.

Key Skills & Qualifications

• Bachelors degree in Business, Finance, Economics, or related field (MBA is a plus).
• 25 years of experience in business banking or sales, preferably handling SME clients.
• Strong understanding of credit and financial analysis.
• Excellent communication, negotiation, and interpersonal skills.
• Sales-driven with a customer-focused approach.

  Role & responsibilities

KPIs / Success Metrics

• Number of new SME clients acquired.
• Revenue generated from the portfolio.
• Client retention and satisfaction rates.
• Portfolio quality (e.g., NPA ratio, overdue accounts).
• Cross-sell ratio of financial products.

Interested Candidates can share CV's at niwas.gupta@jiocredit.in