Senior Relationship Manager - Mid Market/Working Capital - NBFC

Senior Relationship Manager-Mid Morket (Working Capital)_Leading NBFC

Job Context:

Key Aspects:

- The EB & WM function is engaged in funding short term, medium term and long-term working capital needs of SMEs via a suite of customized short and long tenured products.

- While unit of sizing up the business is its loan book size, profitability and zero tolerance on delinquency are key business objectives

- Strong understanding of business finance, loan structuring methods and credit administration are key to building credibility with customers and gaining competitive advantage

- Understanding of local market patterns such as specific occupations/trade, industries at play, local financial and investment preferences and practices important to gain competitive advantage while structuring loans and identifying leads.

Key Challenges:

- Increase the market share in targeted locations against competition

- Constantly upgrade financial, know-how of self on loan structuring methods and business financials in order to build credibility with customers

- Stay abreast with the recent market trends and local market preferences and needs

- Ensure credit quality and carry out effective portfolio selection and pre-screening to minimise risk of NPAs

- To ensure complete safety of financed amount through post sanction surveillance by maintaining strong client relationships and monitoring collaterals

- Achieves sales targets through

1. Driving pipeline funnel to achieve book size and market share:

- Monitors local market trends and competitive offerings & identifies opportunities for business expansion for the region

- Ensures minimal client attrition through strong client engagement activities

- Engages with the investment bankers, chartered accountants and brokers in the for sourcing new business on a regular basis

- Raises escalation on delinquent cases/ potential NPAs and closely monitors these through the team for collection dues.

- Tracks key accounts in the portfolio about health of the business and potential early warning signs of NPAs