Job Description

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The Business Relationship Manager is responsible for acquiring and managing Business Banking customers, driving Business Loan sales, and building long-term relationships with MSME and SME clients. The role focuses on sourcing new business opportunities, analyzing customer financial requirements, and delivering customized lending solutions while ensuring portfolio quality.

Key Responsibilities

• Acquire new MSME/SME customers for Business Loan products.
• Generate leads through market mapping, referrals, cold calling, and networking activities.
• Understand customer business requirements and recommend suitable loan solutions.
• Drive sales of Business Loans, Working Capital, Overdraft, Term Loans, LAP, and other business banking products.
• Conduct financial analysis of customer businesses and gather required documentation.
• Coordinate with Credit, Operations, and Risk teams for smooth loan processing and disbursement.
• Manage and deepen relationships with existing customers to increase wallet share.
• Achieve monthly, quarterly, and annual business targets.
• Ensure portfolio health, compliance, and adherence to bank policies.
• Cross-sell CASA, Trade, Insurance, and other business banking products.

Desired Candidate Profile

• Graduate/Postgraduate in any discipline.
• 2-8 years of experience in Business Banking, SME Banking, Business Loans, LAP, or Working Capital sales.
• Strong knowledge of financial statements, credit assessment, and lending products.
• Proven track record in sales and customer acquisition.
• Excellent communication, relationship management, and negotiation skills.
• Local market and industry knowledge preferred.