Relationship Manager - Working Capital - SME - Bank

- Understanding Client Business: You need to thoroughly understand your clients' businesses to provide suitable working capital solutions.

- This includes both fund-based (like Cash Credit, Demand Loan) and non-fund based products (such as Letters of Credit, Bank Guarantees).

- Collaboration with Branch Banking Teams: Working closely with branch banking teams is crucial for acquiring new customers and expanding your client base.

- This involves coordinating efforts to onboard new clients and promote various banking products.

- Product Penetration: Besides working capital solutions, you'll be tasked with promoting other banking products such as Current Accounts, Term Deposits, Transaction Banking, and Trade Finance to both primary clients and their group companies.

- Building Relationships: Developing strong relationships with key stakeholders like CFOs and promoters within your target client segments is essential.

- Building trust and confidence is pivotal for long-term client retention and satisfaction.

- Portfolio Growth: Your primary goal will be to increase the book size and profitability of your assigned portfolio.

- Understanding Client Business Models: Gain deep insights into client business models, trade activities, cash flows, and other financial aspects.

- This understanding helps in tailoring financial solutions that best meet client needs.

- Client Service Excellence: Maintaining high standards of client service is critical.

- Timely responses, proactive communication, and efficient issue resolution contribute to client satisfaction.

- Process Improvement: Actively monitor and improve operational processes to enhance efficiency.

- Financial Analysis Skills: Proficiency in financial analysis is crucial for assessing client creditworthiness, evaluating cash flows, and understanding financial statements.

- Regulatory Knowledge: A good understanding of banking regulations and compliance requirements is essential