Job Description :

Job Title : Business Development - SME

Department : SME (Commercial Banking)

Grade : Senior Manager/ AVP

Location : Delhi

Eligible Employees : Manager/SM/AVP

Reporting To : Business Development Head

Position Purpose :

Business Development- for onboarding NTBs on asset & liability in SME segment. SME segment caters to companies with turnover of upto Rs 300 crores.

- Asset, liability, and fee based.

Position Responsibilities :

Key Responsibilities :

Business acquisition :

- Creation of database of companies. Identifying potential clients & their banking needs.

- Thorough understanding of client's business, promoters- background and representing the case to committee for approval

- Knowledge of financial analysis, risk analysis and credit appraisal for sanction from respective approving authorities.

- Structuring of Fund / Non Fund / Trade / Fx based financial products for working capital & capex requirements to suit customer's need

- Acquiring new clients with regards to these products with key deliverable as revenue towards assets, liabilities and fee based income.

Documentation & Process :

- Liaise with various divisions like compliance / CAD / legal for on boarding the client and then servicing them.

Maintenance of Portfolio Quality and performance :

- Maintaining portfolio quality by monitoring the performance of the account / pending compliances and identifying stress and delinquency situations

- Ensuring utilisation of sanctioned limits and proper churning in NTBs

- Cross selling different products including Retail products to clients and be an ambassador of One RBL Bank

Qualifications and Experience Requirement :

Qualifications :

Essential CA's or MBA's from reputed institutes

Experience :

Essential 3-6 years experience

a. Skills :

Skill Attribute :

Business Development - Excellent business development skills. Good connect at local market

Relationship Management - Good in relationship Management skills

Credit risk understanding - Deep Knowledge on Credit Risk Understanding in order to ensure proper due diligence

Banking products understanding - Sound Understanding of commercial market products as well other products of bank to ensure right need analysis

Problem solving - Ability to effectively solve Problem and provide effective solutions well within desired TAT

Conflict management - Excellent conflict Management skills

Ability to get things done - Unwavering focus on achieving results

Team player - Working collaboratively to achieve the common goals and be successful together

Communication - The ability to convey information to others effectively and efficiently

Key Success Differentiators :

- Client relationship management

- Credit understanding and structuring

- Problem solving attitude

- Team player and ability to get things done from others

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