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Tata Capital
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Relationship Manager - Equipment Finance - Digital Sales

Relationship Manager - Equipment Finance - Digital Sales

Tata Capital

2 - 6 years

10 - 14 Lacs

Bengaluru

Posted:2 weeks ago| Platform:

Apply

Skills Required

financial analysis sales working capital term loan acquisition retail banking customer relationship sme cash credit banking products customer acquisition retail business generation open market relationship management equipment finance sme banking

Work Mode

Work from Office

Job Type

Full Time

Job Description

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.

5 Customer Relationship Management:

Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients.

6 Cross-Selling:

Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets.

7 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.

8 Financial Analysis

Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements.
Prepare and present comprehensive credit proposals.

9 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.

10 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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