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Strong brand, generalist sales role in metro market drives high competition for candidates.
SME lending and credit underwriting domain knowledge reduces transferability across industries.
Requires SME banking, credit underwriting, and compliance expertise, enabling moderately strict screening.
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Originate and acquire new SME business prospects, managing proposals through to disbursement.
Manage and grow relationships with existing SME clients by identifying business opportunities and providing tailored working capital facilities.
Assess and structure credit risk for SME clients, collaborating with credit and risk teams and ensuring compliance with regulatory requirements.
Experience in SME sales or banking with exposure to credit risk assessment and financial analysis: Not explicitly mentioned in the JD.
Knowledge of working capital facilities and credit structuring for SMEs: Implied by responsibilities.
Must handle customer acquisition and credit proposal management.
Regulatory compliance awareness: Must stay updated on regulations impacting SME banking.
Experienced in SME sector sales with a strong understanding of financial product cross-selling and working capital solutions.
Detail-oriented with capability to perform in-depth financial analysis and prepare credit proposals in collaboration with credit/risk teams.
Ability to manage end-to-end sales cycle from prospecting to disbursement and maintain long-term client relationships.