Relationship Manager – SME

Business Development

Acquire new SME customers seeking working capital and business financing.

Generate business through direct sourcing referrals and channel partners.

Build a strong local market presence and continually develop new business opportunities.

Achieve monthly disbursement revenue and portfolio targets.

Customer Acquisition

Identify customers with funding needs across Invoice Discounting Supply Chain Finance (Dealer Financing and Vendor Financing).

Understand each customers business model and financing requirements.

Clearly explain product features eligibility criteria documentation requirements and repayment structures.

Relationship Management

Build long-term relationships with SME customers.

Maintain regular engagement with existing customers to drive repeat business and cross-selling.

Ensure high customer satisfaction across the lending journey.

Coordinate with customers to ensure timely document submission and query resolution.

Credit Assessment Support

Conduct preliminary customer profiling field visits and business verification.

Collect and verify required documents including GST filings bank statements financial statements and income tax returns.

Prepare initial credit notes or customer summaries as required.

Sales Process Management

Ensure loan applications are complete and accurate.

Coordinate with Credit Operations Risk Legal and Product teams to enable faster turnaround.

Track applications through login sanction documentation and disbursement.

Ensure timely closure of pending credit queries.

Market Intelligence & Portfolio Quality

Track competitor offerings market trends and emerging industry segments.

Share customer feedback to support product improvement.

Source customers who meet underwriting guidelines and maintain portfolio quality through disciplined customer selection.

Support the collections team as needed and proactively manage relationships to minimise delinquency.

Education: Graduate in any discipline; MBA preferred

Experience: 2-6 years in SME lending Working Capital Supply Chain Finance or Commercial Lending. Experience with an NBFC Bank FinTech or other financial institution is preferred.

Skills Required

Technical Skills

SME lending knowledge

Financial statement understanding

Bank statement analysis

GST understanding

Credit underwriting basics

Sales pipeline management

CRM usage

MS Excel and PowerPoint

Behavioural Skills

Strong communication skills

Relationship building

Negotiation

Customer-centric approach

Problem solving

Ownership mindset

Time management

Team collaboration

Success Metrics (First 6 Months)

Achieve assigned monthly disbursement targets.

Build a healthy and diversified sourcing pipeline.

Maintain high-quality application submissions with minimal credit queries.

Develop a strong referral and connector network.

Maintain portfolio quality within acceptable delinquency thresholds.

Deliver a superior customer experience while adhering to internal processes and regulatory requirements.

Required Skills:

Business DevelopmentCustomer AcquisitionRelationship ManagementCredit AssessmentSales Process ManagementMarket Intelligence