RM ( SME )

Role & responsibilities

• Business Development & Acquisition: Drive fresh acquisition of Small & Medium Enterprise (SME) clients for unsecured/secured business loans, working capital limits, trade finance, and term loans.
• Portfolio Management: Manage and grow a portfolio of SME borrowing clients, ensuring high customer engagement, cross-selling of financial products, and retention.
• Credit Analysis & Assessment: Evaluate client financial statements, tax returns, banking statements, and business models to prepare detailed Credit Appraisal Memos (CAM).
• End-to-End Execution: Lead the entire loan lifecycle from initial sourcing and document collection to underwriting coordination, sanctioning, and timely disbursement.
• Risk & Compliance Management: Perform regular monitoring of portfolio performance, conduct annual reviews, track repayment schedules, and minimize non-performing assets (NPAs).
• Market Intelligence: Maintain strong local market networks (DSA/Connector relationships, industry hubs) to stay ahead of market trends, regulatory updates, and competitor product offerings

Preferred candidate profile

• Education: MBA / PGDM in Finance or Marketing is preferred.
• Experience: 6 to 10 years of experience in SME/Commercial/Business Banking loan sourcing and portfolio management within Banks, NBFCs, or Fintechs.
• Technical Skills: Sound knowledge of financial ratio analysis, balance sheet assessment, cash flow evaluation, and SME lending products (Working Capital, LAP, Unsecured Business Loans).
• Soft Skills: Strong communication, negotiation, and interpersonal skills with a proven track record of meeting business targets.