01Overview
Small Business Banking SBB/ SME RM for Leading Bank
Mumbai
Interested please call MAHEK 9137263337 and drop resume at quotientconsultancy@gmail.com
Job Purpose To acquire, manage, and deepen relationships with Small Business Banking customers by offering customized working capital, business loan, liability, trade finance, and transaction banking solutions. The role focuses on portfolio growth, profitability, customer satisfaction, and maintaining high credit quality.
Key Responsibilities
Business Development
Acquire new-to-bank (NTB) Small Business Banking customers.
Build a strong pipeline through market mapping, referrals, channel partners, Chartered Accountants, and direct sales.
Achieve monthly and annual targets for assets, liabilities, and fee income.
Identify opportunities for working capital, LAP, business loans, term loans, and secured lending.
Relationship Management
Manage an assigned portfolio of existing business banking customers.
Conduct regular customer meetings to understand business requirements and identify cross-sell opportunities.
Build long-term relationships to improve wallet share and customer retention.
Credit & Risk Management
Analyze customer financial statements, banking behavior, GST returns, and cash flows.
Structure suitable credit proposals in line with the bank's credit policy.
Coordinate with Credit, Legal, Operations, and Risk teams for timely sanction and disbursement.
Monitor portfolio quality and ensure low delinquency levels.
Cross-selling
Promote Current Accounts, Business Savings Accounts, Fixed Deposits, Trade Finance, Cash Management Services (CMS), POS/QR solutions, Forex, Insurance, and other value-added banking products.
Maximize fee income through relationship deepening.
Education
Graduate in Commerce, Finance, Economics, or Business Administration.
MBA/PGDM is preferred.
Experience
2 years of experience in Business Banking, SME Banking, Commercial Banking, Working Capital, or Relationship Management.
Experience in sourcing secured business loans, LAP, or working capital facilities is preferred.
Required Skills
Business acquisition and sales
SME lending and credit appraisal
Financial statement analysis
Working capital assessment
Portfolio and relationship management
Negotiation and communication
Cross-selling and customer engagement
Knowledge of RBI and banking regulations
Key Performance Indicators (KPIs)
New customer acquisition (NTB)
Asset book growth
Liability growth (CASA and deposits)
Fee income generation
Cross-sell ratio
Portfolio profitability
Delinquency and NPA control
Customer retention and service quality .
