IDFC Bank - Relationship Manager/Associate Relationship Manager - SME

Job Description:

- Acquire, grow and manage portfolio of SME Clients, each Relationship Manager is expected to manage between 40-45 accounts in target industry verticals

- Deliver month on month targets on SME Loan Disbursals, Processing Fee, Fee Income, CA Balance and Portfolio Health

- Manage end to end client engagements in structuring deals, approval process through credit, on-boarding, documentation closure and transactional relationship support

- Manage Credit Memo preparation and presentation to Credit Committee along with Credit

- Drive Client Acceptance, Client Loan Documentation for on-boarding, draw-downs and recovery / restructuring efforts if any

- Build and manage an asset portfolio which contributes to SME Banking and generate profits at satisfactory risk reward ratios

- Work closely with the SME Regional Head and Transaction Banking team to develop sales strategy for SME clients

- Identify market trend and target customers needs in order to review and recommend product / services offerings for SME clients

An Ideal Candidate should possess :

- Sound knowledge of Working Capital Loans, Transaction Banking products as well as general banking regulations.

- Previous experience of handling SME clients in Indian Market.

- Entrepreneurial mindset to build the business ground up and subsequently scale it up rapidly.

- Driving success - taking action, seizing opportunity, pursuing goals.

- Showing resilience - thinking positively, embracing change, inviting feedback.

- Communicating information - convincing people, articulating information, challenging ideas.

- Building relationships - interacting with people, establishing rapport, impressing people.

- Structuring tasks - managing tasks, upholding standards & focused on producing output.

- Processing details - meeting timescales, checking things & follow procedures.

- Preferred Experience in handling a portfolio of more than 40-45 SME accounts.

Qualification : MBA or Chartered Accountant