Senior Manager _Working capital_Banks_Chandigarh Tricity

4 - 9 years

12 - 14 Lacs

Posted:10 hours ago| Platform: Naukri logo

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Work Mode

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Job Type

Full Time

Job Description

Business Development & Acquisition

  • Acquire new SME / Mid-Corporate clients with working capital requirements (CC/OD, Term Loans, BG/LC, WCDL, Trade Finance).
  • Identify business opportunities through market mapping, industry references, connectors, and existing relationships.
  • Structure working capital facilities based on business cash flows, industry cycles, and banking limits.

2. Portfolio Management

  • Manage existing portfolio to drive revenue, cross-sell, and wallet share penetration.
  • Conduct regular client visits, financial reviews, stock statements, receivable updates, and working capital assessment (WCA).
  • Track portfolio health, delinquency, account conduct, and early warning signals.

3. Credit Assessment & Proposal Preparation

  • Analyse financial statements, CMA data, projections, and business models.
  • Prepare and present credit proposals with detailed analysis (industry risk, financial ratios, banking, repayment capacity).
  • Liaise with credit, risk, and operations for timely sanction and disbursement.

4. Cross-Selling

  • Cross-sell CASA, Trade products, Treasury, CMS, Term Loans, Insurance, and other liability/asset products.
  • Drive fee income through LC/BG, FX, CMS, and trade products.

5. Compliance & Governance

  • Ensure adherence to KYC, AML, documentation, and internal audit guidelines.
  • Maintain high standards of compliance, portfolio hygiene, and regulatory reporting.

6. Relationship Management

  • Build long-term relationships with promoters, CFOs, finance teams, and key decision-makers.
  • Provide high-quality service levels to improve customer satisfaction and retention.

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