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Key details
- Location
- Bhubaneswar, OD, India
- Work style
- Onsite
- Level
- Senior
- Job type
- Full-time
- Function
- Sales & Solutions
- Focus area
- other
- Posted
- 5d ago
Skills
credit riskcrmcross-sellingfinancial analysisletter of credit
About the role
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Main Accountabilities |
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New Business Prospects:
- Originate new business prospects within the SME sector through direct sourcing and open market channels.
Customer Acquisition:
- Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.
Business Generation:
- Meet existing SME clients to identify business opportunities and drive revenue.
Working Capital Facilities:
- Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs.Customer Relationship Management:
- Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients.
Cross-Selling:
- Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.
Credit Risk Assessment:
- Assess the credit risk associated with SME clients and their proposed financing structures.
- Collaborate with credit and risk teams to ensure sound credit decisions.
Financial Analysis
- Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
- Prepare and present comprehensive credit proposals.
Credit Structuring:
- Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles.
- Optimize the credit solutions offered to SME clients.
Compliance and Regulations:
- Ensure compliance with all relevant regulatory requirements and internal policies.
- Stay updated on changes in regulations affecting SME banking.
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