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Tier-1 brand, metro location, mid-level generalist RM role raises applicant competition.
Requires SME lending, working-capital and KYC banking experience, limiting cross-industry transferability.
Explicit 3–5 years plus SME lending and working-capital mandates create stringent filters.
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Acquire and develop a diversified asset portfolio within IBG 4 segment up to turnover of 100 Crore, aligned with bank lending policies.
Ensure revenue generation through net interest income and fees by cross-selling trade, liabilities, cash, treasury, and other products.
Monitor portfolio quality to maintain nil delinquencies and contribute to branch profitability while managing risk concentration.
3-5 years overall sales experience with 2-3 years in SME/Business Banking Lending and working capital sales or service portfolio.
Proven sales track record in asset business related to SME/Business Banking.
Bachelor's degree in Finance, Economics, Commerce, MBA, or CA.
Location requirement: Mumbai.
Experienced in sourcing and managing SME asset relationships with a focus on working capital finance products.
Skilled in cross-selling multiple banking products to diversify revenue streams and reduce portfolio risk.
Capable of executing lending policies with adherence to KYC/AML norms and providing timely portfolio reports and risk signals.