Relationship Manager - CV- Sales-Kharagpur Tata Capital

About Tata Capital

Tata Capital Limited ("TCL"), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is registered with the Reserve Bank of India as a Systemically Important Non-Deposit Accepting Core Investment Company ("CIC").

Tata Capital and its subsidiaries are engaged in providing/supplying a wide array of services/products in the financial services sector and operates across various areas of business: Commercial Finance, Consumer Loans, Wealth Services and distribution and marketing of Tata Cards.

Job Description

As a professional in SME banking, your main responsibility will be to identify and develop new business prospects within the SME sector. You will be required to utilize direct sourcing and open market channels to originate these prospects effectively. Your role will also involve acquiring SME customers and managing their proposals from initiation to the disbursement stage. By meeting with existing SME clients, you will have the opportunity to identify potential business opportunities and drive revenue growth for the organization. In addition to providing SMEs with various working capital facilities tailored to their specific needs, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, and Term Loan, you will also be responsible for managing and nurturing customer relationships. This includes addressing both service and sales queries to ensure high engagement and retention rates among SME clients. Cross-selling retail banking products to SME customers will be a key aspect of your role, aimed at maximizing revenue and achieving sales targets set by the organization. Furthermore, you will be required to assess the credit risk associated with SME clients and their proposed financing structures. Collaboration with credit and risk teams will be necessary to ensure sound credit decisions are made. Conducting detailed financial analysis of SME clients to evaluate their creditworthiness and funding requirements will be part of your regular tasks. You will also be responsible for preparing and presenting comprehensive credit proposals to relevant stakeholders. Credit structuring for SMEs will be another critical aspect of your role. You will need to tailor credit facilities in a manner that aligns with the business needs and risk profiles of SME clients, while also optimizing the credit solutions offered to them. Ensuring compliance with all relevant regulatory requirements and internal policies will be imperative in your role. Staying updated on changes in regulations affecting SME banking and implementing necessary changes accordingly will be essential. To qualify for this position, you should hold a minimum of a Post Graduate or Graduate degree in any discipline. Your expertise in SME banking, combined with your ability to drive business growth and maintain strong customer relationships, will be key to your success in this role.,