Job Description

Business Development:

• Acquire and onboard new clients
• Achieve targets for loan book growth
• Cross-sell products such as wealth, insurance

Revenue Generation:

• Meet income targets from interest and fee
• Increase wallet share by offering tailored solutions

Credit Appraisal

• Prepare and submit draft credit proposals in conformity with Credit Policy guidelines and requirements and to maintain a high standard of credit analysis.
• Collect and analyze vital data on clients i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings e.t.c to acquire in-depth knowledge which will facilitate comprehensive review of assigned accounts.

Client Relationship Management:

• Build and maintain strong relationships with key decision-makers
• Ensure high client satisfaction through regular engagement and timely issue resolution

Risk Management:

• Monitor client creditworthiness and ensure compliance with risk policies
• Minimize NPAs by maintaining a healthy portfolio
• Prepare CAM for NTB and ETB renewals; monitor covenants for existing contracts.

Collaboration:

Work closely with product, credit, and operations teams for seamless service delivery.

Major Deliverables:

• Maintain CRM hygiene by logging calls, updating opportunities, and ensuring KYC compliance
• Provide market intelligence on sectors, competitors, and pricing; contribute to AOP planning
• Prepare MIS and portfolio analytics (utilization, profitability, cross-sell ratios) for governance forums
• Support reviews, audits and compliance reviews; close observations within timelines

Act as backup RM for selected accounts to ensure continuity of service.

Education Qualification :

Graduate Degree: B.Tech/B.Com/BA/BSc from an accredited university (full-time)

Postgraduate (Preferred): MBA/PGDM or CA/ICWA (Premier/Tier I preferred; Tier II/III considered based on profile)