Portfolio Relationship Manager - SBE-Small Business Enterprise-Sales

Hcbt Open · verified Sep 29, 2026

On-site Pune Full-time Manager Account Management

At a glance

Mid-level Account Management role at Hcbt. Pune · full-time.

Pay not stated

RoleAccount Management

SeniorityManager

LocationPune

WorkplaceOn-site

EmploymentFull-time

PostedSep 28, 2026 · 1d ago

Role brief

growthroles summary, based on the employer's posting.

What you'll do

Manage an existing small-business client portfolio, handling renewals and requests to increase credit limits
Shape working-capital and business-loan options around clients’ business models, cash flows and financing needs
Visit clients regularly, follow up on pending documents and stock-related compliance, and monitor credit use
Resolve client issues with credit, operations, trade and branch teams while promoting relevant products
Grow business through cross-selling, referrals, new client onboarding, CASA accounts and trade or forex activity

What you bring

You have two to three years of experience in the local market, preferably with credit or sales exposure
An MBA or CA is preferred, along with the ability to explain and sell loan amounts, rates and fees
You bring strong written and spoken communication, relationship-building and influencing skills
You can handle sales across products such as OD, CC, BG and BL

Who this fits

This manager-level role suits someone comfortable combining portfolio service, credit sales and business development. It is based onsite in Pune and involves frequent client visits.

From the employer

Job Role

Manage and service existing portfolio of SBE clients (upto Rs.100 lacs) including renewal and enhancement of limits
Build strong and effective relationship with Promoters and build client trust and confidence
Understand business models, target segments, cash flows, structure working capital and business loan solutions to best suit customer needs.
Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP.
Ensure timely renewal of limits
Ensure timely closure of all pending PDD’s.
Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance.
Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model.
Maintain optimum portfolio hygiene by ensuring client’s entire churn is routed through KMBL along with closure of other CA’s.
Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction.
Ensure minimum delinquency and work towards exit of clients identified in EWS.
Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working.
Liaison with internal departments – credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT.
Drive cross sell products and book penetration in allocated set of clients.
Generate leads from existing customers and on-board new customer’s basis existing relationship management.
Maintain CASA book and generate float income by opening all group accounts.
Tracking of trade and forex transaction done by customer and generating income opportunities from this.

Job Requirement

Preferably MBA/ CA
Experience: 2-3 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees.
Strong oral and written Communication
Relationship Management Skill
Good influencing skills
Job Knowledge- The candidate would need to handle Sales for a gamut of products like OD, CC, BG, BL etc.
Excellent written and oral communication skills