Relationship Manager - Commercial Vehicle - Sales - Bareilly - Civil Lines - JM
At a glance
Mid-level Account Management role at Eofh. Bareilly · full-time.
Pay not stated
Growth Roles summary, based on the employer's posting.
What you'll do
- Find new SME prospects through direct outreach and open-market channels
- Take SME proposals from customer acquisition through the disbursement stage
- Meet existing SME clients to uncover opportunities and generate additional business
- Match SMEs with working-capital facilities, including overdrafts, cash credit and term loans
- Manage client service and sales requests while cross-selling retail banking products
What you bring
- A graduate or postgraduate qualification in any discipline
- The ability to assess SME credit risk and prepare clear financing proposals
- Experience analyzing SME finances and structuring facilities around business needs and risk profiles
Who this fits
This role suits a relationship manager who can win and retain SME clients while handling sales, financial analysis and credit structuring. You’ll work from Bareilly, India, and coordinate with credit and risk teams while meeting sales targets and regulatory requirements.
From the employer
1 New Business Prospects:
- Originate new business prospects within the SME sector through direct sourcing and open market channels.
2 Customer Acquisition:
- Acquire SME customers and manage their proposals, guiding them up to the disbursement stage.
3 Business Generation:
- Meet existing SME clients to identify business opportunities and drive revenue.
4 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.
5 Cross-Selling:
- Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.
6 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.
7 Financial Analysis
- Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
- Prepare and present comprehensive credit proposals.
8 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.
9 Compliance and Regulations:
- Ensure compliance with all relevant regulatory requirements and internal policies.
- Stay updated on changes in regulations affecting SME banking.
Qualifications -
Minimum Degree: Post Graduate/Graduate in any discipline.
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