Relationship Manager (Sales) - Business Banking Unit
- Karur Vysya Bank
- 4 - 9 years
- Vijayawada, Guntur
- 3 months ago
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Job Description
Role of Relationship Manager (Sales) - BBU
Qualification: Graduates / Post Graduates
Role purpose: Drive new asset acquisition across MSME segment for sourcing loans from INR 5 -25 Cr. and manage customer relationships across mapped branches/ geography.
Work experience required: 5-7 years of experience as Relationship manager Relationship manager of Banks/NBFCs who are in the MSME Segment.
Key skills:
- Strong Relationship Management skills
- Proficient sales and negotiation skills
- Strong understanding of Financials and Balance sheets
- Understanding of the Banking Industry and SME sector
Job Responsibilities:
Customer Acquisition and Lead Generation:
- Identify and meet potential MSME customers to generate new business opportunities
- Convert potential leads into actual business by effectively communicating the banks value proposition
- Ensure the achievement of business targets in terms of the incremental growth in the portfolio, number of customers and the quantum of disbursals.
- Conduct daily huddle meetings on lead identification and document meetings diligently through emails with BBH
Due Diligence and Proposal Submission:
- Perform necessary KYC, customer validation, due diligence, and market enquiry. Collect required data/information as per the checklist
- Conduct mandatory unit and security visits before submitting proposals
- Submit proposals to the Processing Team through the LOS module.
- Follow up to obtain sanction and issuance of sanction letters within stipulated timelines.
Coordination and Documentation:
- Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines
- Create and execute necessary documents, MOD, filing ROC, CERSAI, etc.
- Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines
- Introduce the Branch Head and other branch officials to the customer for account operations and communicate with the account parking branch.
Post-Sanction Monitoring and Handover:
- Ensure monitoring of all post-sanction activities for the first year
- Complete monitoring of the account on an ongoing basis until the next renewal
- Handover the file to the Service RM for further renewals and servicing after first renewal is completed.
Cross-Selling and Upselling:
- Achieve cross-sell or upsell targets and forex targets
- Conduct a minimum of 4 new customer visits per day and visit mapped branches twice a month for generation of quality leads and conversion.
Compliance and Risk Management:
- Ensure all sanction terms and conditions are compiled within the timelines.
- Ensure Verification of stocks, units, Business performance after sanction
- All post sanction formalities to be complied with.
- Ensure quality of the portfolio without any delinquencies
Job Locations: Hyderabad / Vijayawada / Tirupati / Vizag.
Job Classification
Industry: BankingFunctional Area / Department: Sales & Business DevelopmentRole Category: Enterprise & B2B SalesRole: Regional Sales Manager (B2B)Employement Type: Full timeContact Details:
Company: Karur Vysya BankLocation(s): Vijayawada, Guntur
Keyskills: Commercial Banking Business Banking Working Capital Emerging Corporates Term Loan
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