Portfolio Relationship Manager - SBE - Small Business Enterprise

Job Purpose

To manage and grow a portfolio of Small Business Enterprise (SBE) customers by providing financial solutions, maintaining strong client relationships, and ensuring portfolio quality through regular monitoring and risk management.

Key Responsibilities

• Manage an assigned portfolio of SBE customers and act as the primary relationship manager.
• Deepen existing customer relationships through cross-selling banking products such as Business Loans, Working Capital, Current Accounts, Trade Services, Insurance, and Investment Products.
• Achieve portfolio growth targets in terms of assets, liabilities, and revenue.
• Conduct regular customer visits to understand business requirements and identify business opportunities.
• Analyze financial statements, banking transactions, and credit requirements to recommend suitable banking solutions.
• Ensure quality of portfolio by monitoring repayment behavior and minimizing delinquencies.
• Coordinate with credit, operations, and service teams for timely processing of customer requests.
• Ensure compliance with regulatory guidelines, bank policies, and KYC requirements.
• Maintain accurate customer records and portfolio data in the bank's systems.
• Track market trends and competitor activities to enhance customer engagement and business acquisition.

Required Qualifications

• Graduate in any discipline (MBA/PGDM preferred).
• 2 to 8 years of experience in Business Banking, SME Banking, Relationship Management, or Sales.
• Strong understanding of SBE/SME lending products and credit assessment.
• Knowledge of financial statement analysis and banking operations.
• Good communication, relationship management, and negotiation skills.