Sales Manager-SME/Working capital/LAP

About the Role

• Location: Tiruvannamalai
• Grade: Assistant Manager

Key Responsibilities

• Originate new business prospects within the Small and Medium Enterprise (SME) sector through direct sourcing and open market channels.
• Acquire and manage customer relationships.
• Take proposals to the disbursement stage.
• Generate revenue and cross-sell products to SME clients for the business banking group.
• Acquire and manage working capital customers, including Channel Finance, Trade & Forex, and CGTMSE limits.
• Acquire new-to-bank business banking relationships with a knowledge banking approach.
• Source new bank accounts through various channels and enhance the portfolio based on customer requirements.
• Manage working capital clients under the Small Enterprise Group Segment (turnover from 50 Lac to 20 Crores).
• Monitor the portfolio of accounts.
• Maintain relationships with business banking to originate business with complex customers by increasing the book size.
• Manage the customer portfolio from sourcing to approval, document execution, limit loading, servicing, and credit monitoring.
• Cross-sell to existing customers, including LI, GI & Loan secured.
• Coordinate with the technical team for property valuation.
• Increase IPH and CTG to ensure revenue maximization.
• Achieve overall business targets on volumes and profitability for BBG customers.

Requirements & Tech Stack

• Experience in Working Capital Products within the SME market, specializing in asset business.
• Strong skills in balance sheet analysis, financial ratios, and security documentation for SME term loans and working capital.
• Well-networked in the local Business Banking market.
• Experience in the local geography and profile is preferred.
• Knowledge of SME client acquisition for banks.
• Good working experience in asset loans is accepted.

Qualifications

• MBA fresher or prior experience in Sales of 0-2 years.