Associate, Relationship Manager, Credit Program Small, Small Medium Enterprises
Core
Acquire and manage a diversified portfolio of Small and Medium Enterprise (SME) lending relationships, driving revenue through assets, trade, and cash products while maintaining strict credit standards.
Role type
Associate Relationship Manager, SME Credit
Builds
SME lending portfolio (up to 100 Crore T/O) and cross-sells trade, cash, and treasury products
Domain
Commercial Banking / SME Lending
Deliverable
client delivery
Required skills
SME lending sales, working capital finance, credit risk assessment, portfolio monitoring, cross-selling, regulatory compliance (KYC/AML), market intelligence
Preferred skills
Knowledge of competitor landscape, specific SME segment customer preferences
Technologies
None stated
Responsibilities
Source new SME asset relationships up to 100 Crore T/O aligned with bank lending policy; Sanction and disburse loans in liaison with Risk and Operations; Conduct due diligence and on-board clients with clear account plans; Monitor portfolio for delinquencies and early warning signals; Ensure timely renewals and covenant compliance; Cross-sell trade, cash, and treasury products to increase wallet share; Provide MIS reports to central team; Engage with local business stakeholders and industry associations
Seniority
Associate, individual contributor